Bridging Loan Guide
Start here for bridging loan costs, interest, eligibility and repayment, with focused guides for each property type and funding question.
Guides
Step-by-step guides to how mortgage, bridging and development finance actually work, written by the advisers who arrange them.
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Main guides
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Buy to Let Mortgage Guide
The complete buy to let guide: ICR stress testing with worked examples, limited company vs personal ownership, portfolio rules, valuations, tax mechanics, and every specialist scenario linked.
Commercial Mortgage Guide
A commercial mortgage guide: how much you can borrow, stress testing and DSCR, the four valuation methods, environmental and EPC underwriting, VAT and stamp duty, and the lending parameters for each sector.
Expat Mortgage Guide
The complete UK expat mortgage guide: how much you can borrow, why the cheapest rate shrinks your loan, country-of-residence rules, expat tax, and every specialist asset class linked.
The Complete First-Time Buyer Mortgage Guide
The complete first-time buyer guide: deposits, 95% and 100% mortgages, JBSP and gifted deposits, concessionary purchases, Shared Ownership, First Homes, Right to Buy and every devolved scheme.
HMO Mortgages Guide
HMO mortgages explained: how lenders assess room-by-room rent, why most cap at 75% LTV, licensing, Article 4 and MV1 valuations. Speak to our brokers.
Holiday Let Mortgage Guide
Full guide to Holiday Let mortgages, for new and experienced investors. Discover information on valuations and lending criteria.
Bridging loans
A Revolving credit facility bridging loan
Revolving credit facilities can be structured as a longer-term bridging solution, where a property is used as security for an extended period, often up to five years, rather than being limited to a single, one-off bridging transaction.
Agricultural Bridging Loans: detailed guide
Detailed explanations and criteria for Agricultural Bridging Loans.
Agricultural bridging loan
An agricultural bridging loan can be used to buy a farm quickly where traditional agricultural or commercial mortgages are too slow, too restrictive, or unavailable at the point of purchase.
Agricultural bridging loan
An agricultural bridging loan is a form of short-term, asset-backed finance designed for farmers, landowners, estates, and agricultural businesses that require fast access to capital across a wide range of rural and agricultural scenarios.
Alternatives to bridging loans
Mortgage and other funding options to compare with a bridging loan.
Alternatives to bridging loans: detailed guide
Detailed explanations and criteria for Alternatives to bridging loans.
Are Auction Loans regulated?
Read about the regulatory considerations for land bridging loans used for auction purchases.
Auction bridging
How bridging finance can be used for an auction purchase.
Auction bridging finance
Auction property loans need to fit the completion deadline in the auction contract. Read about the financial and legal preparation involved in arranging bridging finance.
Auction finance for property developers
Auction finance for property developers provides fast, flexible funding for developers operating in competitive auction environments.
Bridge loan for business acquisition
Bridging loans for business acquisition are short-term, security-backed facilities used to fund the purchase of a trading business, its assets, or the underlying property where speed is critical and long-term funding is not yet in place.
Bridge loan for small business
A bridge loan for small business is a short-term, asset-backed facility used to provide interim capital for acquisition, refinancing, cash flow stabilisation, or urgent commercial opportunities.
Bridge to Let Refurbishment Loans
A Bridge to Let refurbishment loan is designed for property investors using a flip or BRR (Buy, Refurbish, Refinance) strategy who want the speed of bridging finance with the certainty of a pre-agreed buy-to-let exit. It reduces refinance risk by assessing the long-term mortgage outcome at the outset, subject to a satisfactory post-works reinspection.
Bridge to let mortgage
A bridge-to-let mortgage is a short-term finance solution used to purchase or refinance a property and then transition it onto a buy-to-let mortgage once it becomes mortgageable. It combines an initial bridging loan with a planned exit onto a long-term buy-to-let mortgage, making it ideal for properties that cannot meet standard rental or condition criteria at the point of purchase.
Bridging Loan Guide: detailed guide
Detailed explanations and criteria for Bridging Loan Guide.
Bridging Loan Services in England
Read about bridging finance for residential and commercial property transactions in England.
Bridging Loans for Auction: detailed guide
Detailed explanations and criteria for Bridging Loans for Auction.
Talk it through with an adviser
Twenty minutes on the phone is usually enough to tell you what is realistic.