BRIDGING LOANS
- No-Obligation Initial Consultation
- Specialist Mortgage Advice Tailored to You
- Access to a Wide Range of Lenders and Deals
Get in touch today for a free, no-pressure chat to see how we can support you in finding the right mortgage for your new home.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Bridging Loans – Fast, Flexible Short-Term Property Finance
Bridging loans are a type of short-term secured finance typically used to “bridge the gap” between the purchase of a property and the sale or refinancing of another. Whether you’re buying at auction, renovating an investment property, or need urgent access to capital, bridging finance can offer a fast and flexible solution.
We help you explore whether a bridging loan is right for you and secure a deal that fits your needs—often within a matter of days.
What Is a Bridging Loan?
A bridging loan is a short-term loan secured against a property—this could be residential, buy-to-let, or commercial. These loans typically last between 6 to 12 months, but terms can range from as little as a few days to up to 2 or 3 years in some cases.
Before a lender will approve a bridging loan, you’ll need to present a clear exit strategy—how you plan to repay the loan. This could be through the sale of the property, a remortgage, or another source of funds.
How Much Can You Borrow?
You can typically borrow up to 75% loan-to-value (LTV) using the property being purchased as security.
If you’re able to offer additional properties as security, some lenders may offer up to 100% LTV.
Common Uses of Bridging Loans
Bridging loans can be used for a wide range of purposes:
Buying property at auction
Funding property refurbishments
Buying a new home before selling your current one (chain break)
Injecting short-term capital into a business
Purchasing properties unsuitable for traditional mortgages (e.g., without a kitchen or bathroom)
What Deposit Do I Need?
Most bridging loans require a minimum 25% deposit, but you may need slightly more if interest is retained or rolled up. Your available equity and exit strategy will also influence the amount you can borrow.
What Do Lenders Consider?
To secure a bridging loan, lenders will want to know:
The value of the property and overall LTV
How long you need the loan for
What your exit strategy is
Whether you have any additional security available
We’ll walk you through all of this during your strategy call and help you structure the strongest application.
Why Use PSF?
As specialist brokers in bridging and complex property finance, we work closely with a wide panel of lenders—including those not available to the public directly. We’ll:
Find the most suitable lender based on your property type, exit plan, and timeline
Guide you through the process from start to finish
Arrange the loan quickly—often within days
Whether you’re based in Kent or anywhere across the UK, we’re ready to help.