Bridge Loans Finance

Bridging the finance gap

Talk to the expert

An expert advisor will assess your situation and provide a personal recommendation.

Get the right deal

We have access to many specialist lenders and exclusive deals. We can find you a suitable deal on the market.


We work around your schedule to help you get the deal you need. We will help you to refinance if needed too.

What is a bridge loan?

A bridge loan is a short term mortgage secured on the property. It is typically used to bridge the gap between buying a new property and selling or refinancing the old one. A bridge loan allows purchasing the new property while you wait for the sale of the existing one.

How could a bridge loan help you?

A bridge loan can help you in several situations

How does the bridge laon works?

There are several options available for bridging loans and an expert specialist adviser can help you choose the right product. We will compare the bridging loan to other possible finance options, and discuss the most suitable outcome.

Open bridge loan

The open bridge loan has no fixed repayment date but is usually set for 12 months. You can repay the loan at any time up to the end date. You would also be able to extend it in certain situations

Closed bridge bridge

The closed bridge loan will have a fixed repayment date. It would normally be available for purchases when you are almost complete on the sale.

How much does a bridge loan costs?

The cost of the loan will vary but it is more expensive than a standard mortgage. You might expect to pay between 0.5% to 1.5% per month.


You will need at least a 25% deposit to get the bridge loan. With the first-charge loan, you might be able to get more than with the second charge loan.

Monthly payment

There are no monthly payments with the bridge loan and most likely you will get the amount requested reduced by the fees upfront. Another option is that the interest will roll up and you will get the full amount requested but you will have to pay back the total amount plus the interest.

Exit strategy

It is important to have an exit strategy. Without one, you might not be accepted for the bridge loan. If you plan to sell the existing property, there will not be a need for income requirements and affordability calculations. If you plan to remortgage onto a new product, a full affordability assessment will take place.

Book your free consultation

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.
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