Bridging Finance FAQ

A bridging loan is a short-term secured loan that covers a funding gap until a longer-term solution (like a sale or refinance) is in place.

You borrow against property or land, usually for 3–18 months. Interest is often rolled up, and repayment comes from a defined exit strategy.

Common users include developers, investors, landlords, and high-net-worth individuals needing fast, flexible property finance.

Typical uses: property purchases, auction deals, planning gain, equity release, and development exits.

Regulated loans are for personal use (e.g., someone living in the property). Unregulated loans are for business or investment use — like most of our clients.

Rates start around 0.55% per month. There are also arrangement fees (1–2%), legal costs, valuation fees, and sometimes exit fees.

Most clients opt for rolled-up interest, which is added to the loan and paid at the end.

On most loans, we’re paid by the lender. For complex or low-margin deals, we may agree a transparent broker fee upfront.