Mortgage brokers & financial services provider 
Bridging Finance is available through our trusted Business Partners who are also part of the Mortgage Advice Bureau Network. They have access to the whole of the market for these types of loans. 

What is a Bridging Loan? 

Bridging Loans are a way of borrowing funds in the short term. They basically “bridge the gap” if you need to buy one property before selling another. Unlike Mortgages Bridging Loans can be arranged quickly If speed is important. 
 
Typical cases that we can assist clients with obtaining a Bridging Loan are below: 
Property Purchase (Residential/Commercial) 
Deposit for Investment Property 
Buy and Renovate 
Land Purchase 
Auction Purchase 
Raise funds to extend lease 
Time sensitive deal 
Short-term business finance 
HMO refurbishment 
Avoid Repossession 
Short-term cash flow problems 

How do they work? 

You can borrow between £50,000 and £10 million with a bridging loan. The amount depends on how much equity you have available. 
Typically the maximum loan including interest is limited to 75% of the value of the asset.  
The loan would then be secured on the property or across multiple properties to raise the required funds. 
Bridging Loans are not directly assessed based on your income. 

What are the Pros of a Bridging Loan? 

Speed of the release of funds 
Clients can borrow large sums of money if needed. 
Repayment terms are flexible to fit in with your plans and strategy for repayment 
You can typically secure finance on properties that conventional lenders wouldn’t permit. 

What are the Cons of a Bridging Loan? 

They are a secured form of borrowing so failure to meet repayments could mean that your property would be forfeit. 
Interest rates tend to be higher due to the fast and flexible nature of the finance 
Bridging loans do incur additional fees and charges. Additionally there are fees associated with application. (Any fees to arrange a Bridging Loan will be discussed prior to submission of the application) 
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