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Bridging finance
Fast, whole-of-market regulated and unregulated bridging finance
Two ways to get started: speak to a broker today, or compare bridging loans yourself in a few minutes. Either way, there's no obligation.
Recently achieved terms
All bridging casesOption 2
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See indicative rates and costs from across the market in minutes. No contact details needed to see products - a broker confirms exact terms when you're ready.
0.44%Rates from (per month)
117Lenders on our bridging panel
- 1Enter the property value, loan and term for a quick estimate
- 2Refine your case to see the products available
- 3Ask a broker for exact terms on the one you like
Bridging finance comparison - compare bridging loans in minutes
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FAQs
Bridging loans: frequently asked questions
What is a bridging loan and how does it work?
A bridging loan is a short-term, asset-backed loan designed to cover an immediate funding gap until long-term financing is secured or an asset is sold. In the UK, these loans typically run from 1 to 24 months and are secured against property.
Are second charge bridging loans available?
Yes, with rates starting from 0.79% per month.
How are bridging loans paid?
Interest can be paid monthly, deducted upfront from the gross loan, or rolled up (added to the loan balance and paid at the end).
When is a bridging loan often used?
Development exits, auction purchases, chain breaks, asset stabilisation, heavy refurbishment and in situations where it is necessary to act quickly.
How much does a bridging loan cost?
| Property type | Rate from (per month) | Typical arrangement fee |
|---|---|---|
| Residential (regulated) | 0.44% | 2.00% |
| Residential (unregulated) | 0.44% | 2.00% |
| Semi-commercial | 0.59% | 2.00% |
| Commercial | 0.53% | 2.00% |
| Land | 0.53% | 2.00% |
Additional fees may apply, including legal fees, a valuation fee and an admin fee.
What is the difference between a regulated and unregulated bridging loan?
A regulated bridging loan is for a property that you live in, or plan to live in. An unregulated bridging loan is for any other type of property such as investment and commercial properties.
How fast can you get a bridging loan?
A decision in principle can be achieved very quickly and it is possible to complete on a bridging loan within a matter of days.
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