Property Finance
Short-term property finance, arranged at speed
Funding in place before the sale or the refinance lands, secured on the property and repaid on a defined exit.
- Facility
- £50,000 to £25m
- Term
- 3 to 24 months
- Speed
- Completion in 5 to 21 days
- Security
- First and second charge
What it is
Bridging exists for one reason: the money has to be there before the sale or the refinance lands. A chain breaks and a purchase has days, not weeks. We arrange facilities from £50,000 to £25m, and on a clean title with a valuation in hand, five days is achievable. What gets a bridge approved is not the property. It is the exit.
Understand gross versus net before you sign. The gross loan is the headline facility before fees and retained interest. The net loan is what actually reaches your account. We quote both, so there is no surprise on completion. Bridging covers auction purchases, chain breaks, refurbishment and unmortgageable stock, with an exit by sale or refinance that has to be evidenced rather than asserted.
In Scotland
Scottish transactions run on missives rather than exchange of contracts, and the security is a standard security rather than a legal charge. The English framing of 28 days to complete at auction does not map cleanly onto Scottish timescales. The lender panel for Scottish security is narrower than for England and Wales, which is precisely why a broker with a Scottish panel matters here.
Who it suits
- You are buying at auction and have 28 days, or fewer, to complete.
- Your chain has broken and a purchase needs funding in days.
- You are refurbishing stock that is currently unmortgageable.
- You have a clear exit by sale or refinance you can evidence.
Tell us what you need to fund
Four quick details and Reece comes back within one working day.
How it works with us
Conversation
One call to understand the deal, the timescale and the exit. You get a straight read on whether it funds before anything else happens.
Terms
Indicative terms within 24 hours, with the cost stated in pounds and the trade-offs named, so you decide before an application goes in.
Lender selection
We place it with the lender on our panel of over 165 that fits the case, not the one that pays us the most. Where a product is wrong for you, we say so.
Drawdown
We manage valuation, legals and conditions through to drawdown, and stay your single point of contact until the funds land.
Common questions
Five days is achievable on a clean title with a valuation in hand. Two to three weeks is more typical.
