Short-term property finance
Bridging Loans
Property-backed funding to bridge a timing gap—buy before you sell, move fast at auction, or fund a refurb before 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
Why choose Wednesday?
- 1Specialist advisers with access to a wide bridging lender panel.
- 2Clear terms explained in plain English—no surprises on fees.
- 3Fast, proactive case handling with regular updates.
- 4We’ll sanity-check your exit (sale or refinance) before proceeding.
Auction checklist (quick)
- • Legal pack reviewed by your conveyancer.
- • Valuation instructed early where possible.
- • Deposit ready and ID/AML documents to hand.
- • Exit plan (sale or refinance) agreed in principle.
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.
Top questions customers ask
Serviced means you pay the monthly interest each month. Retained means the interest for the whole 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 usually prioritised.
Yes. Lenders want a clear, realistic exit—usually sale or refinance. We’ll help sense-check this and explain any risks.
No. Bridging can help homeowners too—such as buying before selling—subject to the right regulations and affordability checks.
Common fees include facility, broker, valuation, legal and sometimes exit fees. We’ll show a full breakdown up front.
Often yes, via retained interest and adding certain fees to the facility, subject to LTV and lender criteria.
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.