What is bridging finance? A short-term secured loan — typically 1 to 24 months — used to bridge a gap while you arrange long-term finance or complete a sale. Always requires a clear, confirmed exit strategy.
When Is Bridging Finance the Right Solution?
- Auction purchase: You typically have 28 days to complete. Banks cannot move that fast. Bridging lenders can.
- Chain break: Buy your next home before your current one sells, without losing the purchase.
- Refurbishment: Finance a property that is uninhabitable — and therefore unmortgageable — until works complete.
- HMO conversion: Fund conversion before arranging a specialist BTL mortgage.
- Land purchase: Acquire land before long-term development finance is arranged.
- Probate property: Purchase from a deceased estate before probate fully completes.
Exit Strategy — Why It Matters
Lenders require a credible, confirmed exit strategy before approving any bridging loan. Common exits: selling the property, refinancing to a long-term mortgage, or completing a development.
Interest Options
- Rolled-up: No monthly repayments. Interest accrues and is repaid with the principal at term end.
- Serviced: Pay interest monthly. Typically lower total cost over the term.
Important: Bridging finance is secured against property. If you cannot repay or refinance at the end of the term, you risk losing the secured property. Always have a clear, confirmed exit strategy before drawing down. OFFLEND PARTNERS LTD (Co. No. 16810082) is a registered introducer. We are a credit broker, not a lender. We receive a commission on completion, always disclosed in writing.
Frequently Asked Questions
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