UK Bridging Loan Broker – Fast, Flexible Short-Term Property Finance
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Bridging Loans Broker – Fast, Flexible Short-Term Finance
What Is a Bridging Loan?
A bridging loan is a short-term finance solution designed to “bridge” the gap between an immediate financial need and a long-term funding solution. Whether you’re purchasing a property, funding a renovation, or covering an urgent business expense, bridging loans provide fast access to capital when timing is critical.
Why Use a Bridging Loan?
Bridging loans are often used when traditional finance options, such as mortgages, are too slow or not viable. Common uses include:
• Property Purchases – Securing a property quickly before selling an existing one.
• Auction Finance – Completing a property purchase within tight auction deadlines.
• Development & Refurbishment – Funding renovations or conversions before securing long-term finance.
• Business Cash Flow – Providing short-term liquidity for urgent business opportunities.
Key Benefits of Bridging Loans
• Fast Access to Funds – Loans can be approved in days, not weeks.
• Flexible Lending Criteria – Available to individuals, businesses, and developers.
• Short-Term Solution – Typically repaid within 6-24 months.
• Secured Lending – Can be secured against residential, commercial, or land assets.
• No Monthly Repayments (in Some Cases) – Interest can be rolled up and repaid at the end of the term.
How We Help as a Bridging Loan Broker
As a specialist bridging loan broker, we work with a panel of top UK lenders to secure the most competitive rates and terms. Our service includes:
• Expert Guidance – We navigate the complex bridging finance market for you.
• Tailored Solutions – Loans structured to meet your specific needs.
• Exclusive Lender Access – We source deals not available directly to the public.
• Fast & Hassle-Free Process – We manage the application, valuation, and legal process to ensure a smooth experience.
Who Can Apply for a Bridging Loan?
Bridging loans are available to a wide range of borrowers, including:
• Homebuyers & Property Investors
• Landlords & Developers
• Business Owners
• Individuals Facing Chain Break Situations
How Much Can You Borrow?
Bridging loans typically range from £50,000 to £20 million+, depending on the value of the security. Loan-to-value (LTV) ratios vary, but up to 75% LTV is common, with some lenders offering higher amounts in specific cases.
Costs & Interest Rates
Bridging loans are typically more expensive than traditional mortgages due to their short-term nature and fast turnaround. Costs include:
• Interest Rates – Starting from 0.4% per month, depending on loan size and security.
• Arrangement Fees – Usually 1-2% of the loan amount.
• Exit Fees – Some lenders charge an exit fee, though not all.
• Valuation & Legal Fees – Required as part of the loan setup.
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If you need fast, flexible finance, we can help.
Frequently Asked Questions about Bridging Loans
Interest rates vary depending on the lender and loan terms, but they typically range between 0.4-2% per month.
Bridging loans can be agreed in a matter of days, depending on the complexity of the application and the lender. However, completing the drawdown of funds can typically take 3-4 weeks, depending on the legal side of things.
Bridging loans are secured against property, so a cash deposit isn’t always required if you already own the building and have plenty of equity. However, the loan amount is usually capped at 75% LTV.
Yes, some lenders offer bridging loans to individuals with adverse credit, as the focus is primarily on the property security rather than credit history.
If you can’t repay the loan by the agreed term, you may incur penalty interest rates or need to refinance. We help clients plan exit strategies to avoid such situations. But it is important to note that with any Bridging Loan, the property may be at risk if you are not able to repay the loan on time.
Costs typically include arrangement fees, valuation fees, legal fees, and interest charges. Lenders should always ensure transparency so you understand all costs upfront.
Yes, bridging loans can be used for residential, commercial, and land purchases, including developments and refurbishments. Bridging Loans for commercial purpose are very common and an area we can certainly help with.
In many cases, interest is rolled up and repaid at the end of the loan term, meaning no monthly repayments. You simply have a single settlement figure at the end of the terms that may include all costs and interest added together. Therefore, it is important to be clear on your exit strategy from the outset.
Contact us today for a free consultation. We’ll assess your needs and find a solution to your needs from a panel of lenders.
Why Fifty Nine Financial?
- Access to Whole of Market
- Specialist Finance Broker
- Exceptional Customer Service
- No Upfront Fees
