What is a bridging loan?

A bridging loan is a short-term financing solution designed to 'bridge' the gap between the purchase of a new property and the sale of an existing one. These loans are typically secured against property and can be arranged quickly, making them ideal for time-sensitive transactions such as property auctions or preventing a property chain from breaking.

How long does the bridging loan application process take?

The bridging loan application process can be completed in as little as 7-14 days for straightforward cases, though complex situations may take longer. Initial decisions in principle can often be provided within 24 hours.

What interest rates can I expect on a bridging loan?

Bridging loan interest rates typically range from 0.5% to 1.5% per month (6-18% per annum), depending on factors such as loan-to-value ratio, property type, loan purpose, your credit profile, and the strength of your exit strategy.

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basics of-bridging-finance

What is a bridging loan?

How do bridging loans work?

How does a bridging loan differ from a traditional mortgage?

What can bridging finance be used for?

application process

How do I apply for a bridging loan?

What documents do I need to provide for a bridging loan application?

How long does the bridging loan application process take?

Why might my bridging loan application be rejected?

eligibility requirements

Who can apply for a bridging loan?

What credit score do I need for a bridging loan?

What types of property can be used as security for a bridging loan?

Why is an exit strategy important for a bridging loan?

costs fees

What interest rates can I expect on a bridging loan?

What additional fees are associated with bridging loans?

Are there penalties for early repayment of a bridging loan?

How can I compare the true cost of different bridging loan offers?

loan terms-repayment

What are typical bridging loan terms?

What repayment options are available for bridging loans?

Can I extend my bridging loan if my exit strategy is delayed?

What happens if I can't repay my bridging loan?

regulated vs-unregulated

What's the difference between regulated and unregulated bridging loans?

When is a regulated bridging loan required?

What additional consumer protections come with regulated bridging loans?

Can I use a bridging loan for business purposes?

development finance

How does bridging finance differ from development finance?

Can I use a bridging loan for property refurbishment?

What is a development exit bridging loan?

Can I get a bridging loan for a property without planning permission?

rebridging options

What is rebridging?

When should I consider rebridging?

What challenges might I face when rebridging?

What are the alternatives to rebridging?

special circumstances

How do bridging loans work for auction purchases?

How can bridging finance help with a broken property chain?

Can I get a bridging loan for a property of non-standard construction?

Are bridging loans available to foreign nationals?

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Case Studies

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