Short-term property finance
Bridging Loans
Property-backed funding to bridge a timing gap—buy before you sell, move fast at auction, or finance a refurb prior to refinancing.
Bridging can be regulated or unregulated depending on use and occupancy. We’ll confirm what applies and provide the required disclosures.
Quick illustration
Indicative only. Fees, compounding, and precise lender terms can change these figures. Use the full calculator for accuracy.
Common uses
- • Buy a new home before selling your current one.
- • Auction purchases needing fast completion.
- • Light refurbishments or conversions before refinancing.
- • Investor purchases where timing is critical.
Key points
- • Typically interest-only (serviced or retained).
- • Short terms (often up to 12 months); fees can include facility, broker & exit.
- • Secured on property—make sure your exit is realistic.
Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Exit readiness (quick)
Exit confidence
How bridging works
- 1Discuss your scenario and timeline with a specialist
- 2We source indicative terms from suitable lenders
- 3Valuation & legal instructions (lender & your conveyancer)
- 4Funds released—interest serviced or retained
- 5Exit via sale or refinance within the agreed term
Serviced means you pay the monthly interest each month. Retained means the interest for the term is added to the loan and settled at exit—cash flow now vs. paying more at redemption.
With valuation and legals lined up, some cases can complete in 1–3 weeks. Auction purchases are typically prioritised.
Yes. Lenders want a clear, realistic exit—usually sale or refinance. We’ll help sanity-check this and explain any risks.
Talk to a specialist
We’ll outline costs, timings and the documents you’ll need.
Important information
- Mortgage & Secured borrowing risk: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
- Fees: If we charge a fee for our service, we'll tell you the amount and when it becomes payable before you proceed.
- Commission: We may receive a commission from a lender if you go ahead with a product we introduce. On request, we will disclose the amount (or likely amount) of any commission we receive.
- Products and lending criteria are subject to eligibility and affordability checks. Rates and terms vary by lender and may change.
- Calls may be recorded for monitoring, training and quality assurance.