Short-Term Finance
Bridging Finance
structured to perform
30+ years · 110+ specialist lenders · £68.6m largest facility
Short-term, interest-only loans for those who need immediate access to capital for urgent site purchases, refinancing or chain breaks. Interest is rolled up as standard — meaning no monthly payments.
£250k — £25m+
Loan Size
3 — 18 months
Typical Term
Up to 75% LTV
Typical LTV
Key Features
What We Offer
Interest Rolled Up
No monthly payments. All interest is added to the loan and repaid when the property is sold or refinanced.
Speed of Completion
Decisions in hours, completions in days. Our fastest bridge completed in under 48 hours.
Flexible Security
First and second charges considered. Cross-collateralisation available to maximise borrowing.
No Monthly Payments
Keep your cashflow free during the bridge period. Everything is settled at exit.
Exit Strategy Focused
We plan your exit from day one — whether that is sale, refinance or development finance.
Ideal For
Common Scenarios
Site Acquisition
Secure a development site quickly before arranging longer-term development finance. Bridge into dev finance seamlessly.
Auction Finance
Pre-approved bridging so you can bid with confidence. Complete within the 28-day auction deadline.
Chain Break
Proceed with a purchase before your existing property has sold. Break the chain and secure the deal.
Holding Finance
Short-term funding while waiting for planning permission, pre-sales, or longer-term facility arrangement.
Sister Site
Specialist Bridging at bridging.fund
For specialist bridging finance, visit our sister site bridging.fund — dedicated entirely to short-term property finance with 15 specialist product pages and a full bridging cost calculator.
Visit bridging.fundBridging FAQ
Bridging finance — common questions
What does the term bridging mean?
In property finance, "bridging" refers to a short-term secured loan that bridges a temporary funding gap — typically the period between needing capital now (to complete a purchase, refinance, or start works) and a future event that will repay the loan (a property sale, a longer-term refinance, planning permission, or development drawdowns). Bridging loans are interest-only with rolled-up interest in most cases, secured against property as a first or second charge, and run from a few weeks to 18-24 months. The term originates from the loan literally bridging the borrower over a short-term cash-flow gap.
What is bridging in property?
Bridging in property is the use of a short-term secured loan against property to fund an immediate need pending a longer-term outcome. Common uses include: buying a development site before arranging full development finance, completing an auction purchase within the 28-day deadline, breaking a chain when one's existing property hasn't yet sold, releasing equity quickly against a property to fund another acquisition, or covering a refinance gap. Bridging is faster and more flexible than mainstream mortgage finance — decisions in hours, completions in days — but priced for that speed and short-term risk profile.
Ready to Discuss Your Project?
Get a development appraisal or arrange a call with a specialist.