Frequently Asked Questions (FAQS)

Bridging finance is a short-term loan designed to "bridge" the gap between an immediate financial need and a longer-term funding solution. It is commonly used for property purchases, business cash flow, or urgent funding requirements.

A bridging loan provides fast access to capital, usually secured against a property or asset. It is repaid within a set period, typically 6 to 24 months, either through refinancing, property sale, or another financial arrangement.

Both individuals and businesses can apply. Common applicants include property developers, landlords, investors, and homeowners looking for short-term funding solutions.

Bridging loans are used for various purposes, including:

• Purchasing a property before selling an existing one

• Buying auction properties

• Renovation or development projects

• Business cash flow support

• Paying urgent liabilities

Bridging loans are designed for speed, with funds typically available within days to a few weeks, depending on the lender and complexity of the application.

Interest rates vary depending on factors like loan amount, security, lender, and borrower profile. They are usually higher than traditional mortgages due to the short-term nature of the loan.

Yes, most lenders require a deposit or equity in the asset being used as security. Loan-to-value (LTV) ratios typically range from 50% to 75%.

Repayments can be structured as:

• Monthly interest payments – Pay only the interest until full repayment.

• Rolled-up interest – Interest is added to the loan and repaid at the end.

• Retained interest – The lender deducts interest from the loan at the start.

If you can’t repay on time, lenders may charge additional interest, fees, or take legal action to recover the debt. It’s important to have a clear exit strategy in place.

You can apply by contacting us directly. We’ll connect you with trusted lenders and brokers to find the best bridging loan tailored to your needs. Get in touch today to start your application.