Bridging Finance
Bridging finance provides fast, flexible short-term funding for property purchases, refurbishments, auction acquisitions and development exit scenarios where speed and certainty are essential.
PROPERTY FUNDING SOLUTIONS
Fast funding for property transactions and opportunities.
Bridging finance is designed to provide short-term funding for property investors, developers, landlords and business owners. Whether you’re purchasing at auction, funding refurbishment works, securing a time-sensitive acquisition or refinancing an existing facility, it can provide access to capital when traditional lending may not be suitable.
With funding available across residential, semi-commercial and commercial property types, this type of facility can help borrowers move quickly and take advantage of opportunities as they arise.
Property Purchase Finance
Funding for residential, commercial and semi-commercial property acquisitions.
Auction Finance
Fast funding solutions designed to meet auction completion deadlines.
Refurbishment Finance
Funding for light, heavy and value-add refurbishment projects.
Development Exit Finance
Refinancing completed developments onto longer-term funding.
Chain Break Finance
Short-term funding to support property transactions and prevent delays.
Refinance & Capital Raising
Unlock equity from existing property assets to support growth and investment.
WHO WE SUPPORT
Flexible short-term funding for property investors, developers, landlords and brokers.
Short-term property funding may be suitable where there is a clear funding need and a defined repayment route. Common uses include purchasing property before a longer-term mortgage is in place, completing an auction purchase, funding light or heavy refurbishment works, releasing equity from an existing property, or refinancing completed developments onto a longer-term facility.
For commercial finance brokers and introducers, this type of funding can provide a useful solution for clients who need fast access to property finance but may not fit standard lender criteria.
Short-term funding for property acquisitions, refurbishment projects, commercial property requirements and investment opportunities.
Funding solutions supporting site acquisitions, development exits, refurbishment projects and time-sensitive property requirements.
Property funding for purchases, refinancing, portfolio growth, refurbishment projects and investment opportunities.
Supporting introducers and professional partners with access to specialist property funding expertise and lender relationships.
WHY CHOOSE SHORT-TERM PROPERTY FUNDING
Benefits of Bridging Finance
Bridging finance provides fast, flexible funding solutions for property purchases, refurbishment projects and time-sensitive opportunities where traditional lending may not be suitable.
Fast Access to Funding
Funding can often be arranged significantly faster than traditional property finance.
Flexible Lending Criteria
Solutions available across a wide range of property types and borrower circumstances.
Refurbishment & Value-Add Projects
Funding for renovation, conversion and property improvement projects.
Development Exit Solutions
Refinance completed developments and release capital for future projects.
Bridging Finance FAQs
Find answers to common questions about bridging finance, property funding and short-term lending solutions.
What is bridging finance?
Bridging finance is a short-term property finance solution designed to provide fast access to funding. It is often used where timing is important, such as property purchases, auction acquisitions, refurbishment projects or refinancing requirements.
How does a bridging loan work?
A bridging loan provides short-term funding secured against property or land. The loan is usually repaid through a clear exit strategy, such as the sale of a property, refinance onto a longer-term mortgage, or completion of a development project.
What can this type of funding be used for?
Bridging finance can be used for property purchases, auction finance, refurbishment works, development exits, chain breaks, capital raising and refinancing. It can support residential, semi-commercial and commercial property requirements, depending on the lender and borrower circumstances.
How quickly can funding be arranged?
Timescales vary depending on the complexity of the case, property type and lender requirements. In many circumstances, bridging finance can be arranged significantly faster than traditional property finance, making it suitable for time-sensitive transactions.
Can it be used for auction purchases?
Yes. Bridging finance is commonly used for auction purchases where buyers need to complete within strict timescales. Short-term funding can help secure a property quickly while longer-term funding arrangements are put in place.
Can it support refurbishment projects?
Yes. Bridging finance can support both light and heavy refurbishment projects, helping property investors and developers fund improvements designed to increase property value or prepare a property for sale or refinance.
What is development exit finance?
Development exit finance is a type of bridging finance used to refinance completed or near-complete development projects. It can help developers release capital, reduce borrowing costs and provide additional time to sell units or arrange long-term funding.
Can it be used to purchase land?
In some circumstances, bridging finance can be used to fund land acquisitions and development opportunities. Funding availability will depend on factors such as planning status, intended use and lender criteria.
What is the difference between first and second charge bridging?
First charge bridging finance is secured against a property as the primary charge holder. Second charge bridging finance sits behind an existing lender's charge and may be used to raise additional funds against a property that already has borrowing secured against it.
How is the facility repaid?
Bridging finance is typically repaid through an agreed exit strategy, such as the sale of a property, refinancing onto a commercial mortgage or buy-to-let mortgage, or proceeds from a completed development project. A clear exit strategy is an important part of any bridging finance application.
Fast funding when timing matters.
Whether you’re purchasing property, funding refurbishment works, securing an auction opportunity or refinancing an existing project, we can help identify suitable short-term funding tailored to your requirements.
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Proud member of the National Association of Commercial Finance Brokers (NACFB), supporting professional standards, transparency and best practice across the commercial finance industry.
