---
title: "Short term finance"
description: "Achieve your property goals with short-term financing, covering bridging loans, development loans, and more."
url: "https://mortgagelane.com/short-term-finance"
site: "Mortgage Lane"
date: "2026-10-08"
reviewed: "2026-10-08"
reading_time: "6 min"
language: "en-GB"
robots: "index,follow"
---

# Short term finance

Achieve your property goals with short-term financing, covering bridging loans, development loans, and more.

Achieve your property goals with short-term financing, covering bridging loans, development loans, and more.

[Bridging loan](https://mortgagelane.com/definitions?term=bridging-loan)

Bridging finance

A short-term loan secured against property or land to cover a funding gap until an agreed repayment event, such as a sale or refinance.

[Read the full definition of Bridging loan](https://mortgagelane.com/definitions?term=bridging-loan)

## Bridging finance

- [2026](https://mortgagelane.com/short-term-finance/bridge-to-let-mortgage)[Bridge to Let Mortgage](https://mortgagelane.com/short-term-finance/bridge-to-let-mortgage) — Considering a bridge-to-let mortgage? Learn how bridging finance helps you buy, renovate and refinance a property onto a buy-to-let mortgage. — Joseph Lane · 16 Jul 2026 · 4 min[Read more about Bridge to Let Mortgage](https://mortgagelane.com/short-term-finance/bridge-to-let-mortgage)
- [2026](https://mortgagelane.com/short-term-finance/bridging-loans)[Bridging Loans](https://mortgagelane.com/short-term-finance/bridging-loans) — Explore bridging loan solutions for land and property, assisting homeowners and business owners with short-term funding, regulated and unregulated. — Joseph Lane · 4 Aug 2026 · 10 min[Read more about Bridging Loans](https://mortgagelane.com/short-term-finance/bridging-loans)
- [2026](https://mortgagelane.com/short-term-finance/auction-property-loans)[Bridging Loans for Auction](https://mortgagelane.com/short-term-finance/auction-property-loans) — We assist borrowers with the best auction finance products on the market as well as super quick processing speeds! — Joseph Lane · 13 Apr 2026 · 5 min[Read more about Bridging Loans for Auction](https://mortgagelane.com/short-term-finance/auction-property-loans)
- [2026](https://mortgagelane.com/short-term-finance/land-bridging-loans)[Land Bridging Loans](https://mortgagelane.com/short-term-finance/land-bridging-loans) — We assist personal and investment borrowers with land bridging loans for all types of land, suitable for auctions with fast completions! — Joseph Lane · 13 Apr 2026 · 10 min[Read more about Land Bridging Loans](https://mortgagelane.com/short-term-finance/land-bridging-loans)
- [2026](https://mortgagelane.com/short-term-finance/business-bridging-loans)[Business Bridging Loans](https://mortgagelane.com/short-term-finance/business-bridging-loans) — Bridging loans for businesses as quick as 2 days. Learn about bridging loans up to 85% Loan to Value used for acquisition or refinancing. — Joseph Lane · 13 Apr 2026 · 19 min[Read more about Business Bridging Loans](https://mortgagelane.com/short-term-finance/business-bridging-loans)
- [2026](https://mortgagelane.com/short-term-finance/hotel-bridging-loans)[Hotel Bridging Loans, Auction and Refurbishment Finance](https://mortgagelane.com/short-term-finance/hotel-bridging-loans) — Hotel bridging loans to buy, refurbish or convert a hotel: trading and vacant possession values, auction timetables and the exit to a hotel mortgage. — Joseph Lane · 8 Oct 2026 · 24 min[Read more about Hotel Bridging Loans, Auction and Refurbishment Finance](https://mortgagelane.com/short-term-finance/hotel-bridging-loans)
- [2026](https://mortgagelane.com/short-term-finance/re-bridging-loans)[Re-Bridging Loans, What Is Re-Bridging and Bridging Extensions](https://mortgagelane.com/short-term-finance/re-bridging-loans) — Re-bridging loans: refinancing one bridge with another, how it compares with an extension, the costs, what a new lender checks and how the loan to value rises. — Joseph Lane · 8 Oct 2026 · 21 min[Read more about Re-Bridging Loans, What Is Re-Bridging and Bridging Extensions](https://mortgagelane.com/short-term-finance/re-bridging-loans)
- [2026](https://mortgagelane.com/short-term-finance/remortgage-after-bridging-loan)[Remortgage After a Bridging Loan, Exits and the Six-Month Rule](https://mortgagelane.com/short-term-finance/remortgage-after-bridging-loan) — Remortgaging after a bridging loan: the exit routes, the six-month rule and day-one lenders, valuing the finished property and the rent test on a bridge to let. — Joseph Lane · 8 Oct 2026 · 22 min[Read more about Remortgage After a Bridging Loan, Exits and the Six-Month Rule](https://mortgagelane.com/short-term-finance/remortgage-after-bridging-loan)
- [2026](https://mortgagelane.com/short-term-finance/alternatives-to-bridging-loans)[Alternatives to bridging loans](https://mortgagelane.com/short-term-finance/alternatives-to-bridging-loans) — We assist homebuyers and investors with bridging loan alternatives, these alternative are also suitable for auction purchases! — Seren Norton · 13 Apr 2026 · 3 min[Read more about Alternatives to bridging loans](https://mortgagelane.com/short-term-finance/alternatives-to-bridging-loans)

## Development finance

- [2026](https://mortgagelane.com/short-term-finance/ground-up-development-finance)[Ground Up Development Finance](https://mortgagelane.com/short-term-finance/ground-up-development-finance) — Ground up development finance explained: staged funding from a cleared site, residential up to 75% LTGDV and 90% LTC, commercial usually 65% to 70% LTGDV on the cases we arrange, and the drawdown arithmetic. — Joseph Lane · 1 Oct 2026 · 10 min[Read more about Ground Up Development Finance](https://mortgagelane.com/short-term-finance/ground-up-development-finance)
- [2026](https://mortgagelane.com/short-term-finance/hotel-development-finance)[Hotel Development Finance](https://mortgagelane.com/short-term-finance/hotel-development-finance) — Hotel development finance explained: ground-up and conversion hotel schemes, specialist lending up to 65% LTGDV on the cases we arrange, how trading sets the value, and the hotel mortgage exit. — Joseph Lane · 1 Oct 2026 · 8 min[Read more about Hotel Development Finance](https://mortgagelane.com/short-term-finance/hotel-development-finance)
- [2026](https://mortgagelane.com/short-term-finance/build-to-rent-development-finance)[Build to Rent Development Finance](https://mortgagelane.com/short-term-finance/build-to-rent-development-finance) — Build to rent development finance, on the cases we arrange, to 75% LTGDV and 90% LTC: rent-to-value arithmetic, forward funding, stabilisation finance and the BTR exit. — Joseph Lane · 11 Sep 2026 · 10 min[Read more about Build to Rent Development Finance](https://mortgagelane.com/short-term-finance/build-to-rent-development-finance)
- [2026](https://mortgagelane.com/short-term-finance/commercial-property-development-finance)[Commercial Property Development Finance](https://mortgagelane.com/short-term-finance/commercial-property-development-finance) — Commercial property development finance on the cases we arrange, up to 70% LTGDV and 90% LTC, deal dependent: how the lease sets GDV, pre-let or speculative, forward funding and each asset class. — Joseph Lane · 11 Sep 2026 · 13 min[Read more about Commercial Property Development Finance](https://mortgagelane.com/short-term-finance/commercial-property-development-finance)
- [2026](https://mortgagelane.com/short-term-finance/joint-venture-development-finance)[Joint Venture Development Finance](https://mortgagelane.com/short-term-finance/joint-venture-development-finance) — Joint venture development finance: up to 100% of cost funded for the right scheme in exchange for a profit share, with JV lender and equity partner structures, priority returns and the arithmetic. — Joseph Lane · 11 Sep 2026 · 10 min[Read more about Joint Venture Development Finance](https://mortgagelane.com/short-term-finance/joint-venture-development-finance)
- [2026](https://mortgagelane.com/short-term-finance/pbsa-finance)[PBSA Finance, Purpose-Built Student Accommodation](https://mortgagelane.com/short-term-finance/pbsa-finance) — PBSA finance: development finance to build student accommodation, on the cases we arrange up to 65% LTGDV, investment finance on operational schemes, and nominations vs direct let. — Joseph Lane · 11 Sep 2026 · 10 min[Read more about PBSA Finance, Purpose-Built Student Accommodation](https://mortgagelane.com/short-term-finance/pbsa-finance)
- [2026](https://mortgagelane.com/short-term-finance/property-development-finance)[Property Development Finance](https://mortgagelane.com/short-term-finance/property-development-finance) — Property development finance explained: residential up to 75% LTGDV and 90% LTC, commercial up to 70% LTGDV deal by deal, rates and fees, lender types and the broker role. — Joseph Lane · 11 Sep 2026 · 17 min[Read more about Property Development Finance](https://mortgagelane.com/short-term-finance/property-development-finance)
- [2026](https://mortgagelane.com/short-term-finance/property-development-finance-scotland)[Property Development Finance in Scotland](https://mortgagelane.com/short-term-finance/property-development-finance-scotland) — Property development finance in Scotland: leverage ceilings, missives, standard securities, Section 75, building warrants, LBTT and ADS, region by region. — Joseph Lane · 11 Sep 2026 · 17 min[Read more about Property Development Finance in Scotland](https://mortgagelane.com/short-term-finance/property-development-finance-scotland)
- [2026](https://mortgagelane.com/short-term-finance/residential-development-finance)[Residential Development Finance](https://mortgagelane.com/short-term-finance/residential-development-finance) — Residential development finance on the cases we arrange, up to 75% LTGDV and 90% LTC: ground up, conversion and HMO schemes, unit releases and the develop-to-let refinance test. — Joseph Lane · 11 Sep 2026 · 11 min[Read more about Residential Development Finance](https://mortgagelane.com/short-term-finance/residential-development-finance)

## Exit and funding

- [2026](https://mortgagelane.com/short-term-finance/development-exit-finance)[Development Exit Finance](https://mortgagelane.com/short-term-finance/development-exit-finance) — Developer exit finance as quick as 14 days! Get 75% Loan to Value on your finished development with Mortgage Lane. — Joseph Lane · 13 Apr 2026 · 13 min[Read more about Development Exit Finance](https://mortgagelane.com/short-term-finance/development-exit-finance)
- [2026](https://mortgagelane.com/short-term-finance/mezzanine-finance)[Mezzanine Finance](https://mortgagelane.com/short-term-finance/mezzanine-finance) — Mezzanine Development Finance, supporting both seasoned investors and newcomers in various development projects. — Joseph Lane · 13 Apr 2026 · 8 min[Read more about Mezzanine Finance](https://mortgagelane.com/short-term-finance/mezzanine-finance)
- [2026](https://mortgagelane.com/short-term-finance/refurbishment-loans)[Refurbishment Loans](https://mortgagelane.com/short-term-finance/refurbishment-loans) — Explore refurbishment loans of up to 100% LTV, we work with short term lenders that provide funding to both the purchase and refurbishment. — Joseph Lane · 4 Aug 2026 · 5 min[Read more about Refurbishment Loans](https://mortgagelane.com/short-term-finance/refurbishment-loans)
- [2026](https://mortgagelane.com/short-term-finance/self-build-mortgages)[Self Build Mortgages](https://mortgagelane.com/short-term-finance/self-build-mortgages) — Explore self build mortgage options for borrowers building their own home, including custom builds and barn conversions. — Seren Norton · 13 Apr 2026 · 12 min[Read more about Self Build Mortgages](https://mortgagelane.com/short-term-finance/self-build-mortgages)

## Explore mortgage guides and insights

- [2026](https://mortgagelane.com/short-term-finance/business-bridging-loans)Mortgage[Business Bridging Loans](https://mortgagelane.com/short-term-finance/business-bridging-loans)Bridging loans for businesses as quick as 2 days. Learn about bridging loans up to 85% Loan to Value used for acquisition or refinancing.[Read more about Business Bridging Loans](https://mortgagelane.com/short-term-finance/business-bridging-loans)
- [2026](https://mortgagelane.com/guides/alternatives-to-bridging-loans/development-finance-as-an-alternative-to-bridging-loans)Guide[Development Finance as an Alternative to Bridging Loans](https://mortgagelane.com/guides/alternatives-to-bridging-loans/development-finance-as-an-alternative-to-bridging-loans)For property developers undertaking new-build schemes or major refurbishment projects, development finance provides a robust and purpose-built alternative to bridging loans. While similar in cost and short-term nature, development finance is structured specifically to support the full development lifecycle, including land acquisition and construction costs, making it more suitable for large-scale projects.[Read more about Development Finance as an Alternative to Bridging Loans](https://mortgagelane.com/guides/alternatives-to-bridging-loans/development-finance-as-an-alternative-to-bridging-loans)
- [2026](https://mortgagelane.com/guides/bridging-loans/auction-bridging-finance)Guide[Auction bridging finance](https://mortgagelane.com/guides/bridging-loans/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.[Read more about Auction bridging finance](https://mortgagelane.com/guides/bridging-loans/auction-bridging-finance)

## Talk it through with an adviser

Twenty minutes on the phone is usually enough to tell you what is realistic.

Published: 2026-10-08

Last reviewed: 2026-10-08

Source: https://mortgagelane.com/short-term-finance