Residential bridging loans
Bridge the gap when buying or selling a home, such as chain breaks or quick moves.
- Terms from 1 to 18 months.
- Borrow against residential property equity.
- Ideal for homeowners needing temporary finance.
Short-term property finance
Bridging Loans
Explore bridging loans (also known as short-term finance or bridge finance) with expert guidance, competitive rates, and personal service from an FCA-authorised UK broker. Whether you are bridging a property chain break, funding an auction purchase, or financing a development project, we will help you compare lenders and find a bridging loan that fits your needs and timeline, fast and securely.
Bridging can be regulated or unregulated depending on use and occupancy. We’ll confirm what applies and provide the required disclosures.
Quick illustration
Monthly interest
£1,335
Monthly payment
£0 (retained)
Est. total interest
£12,015
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 (usually 1–18 months, sometimes up to 24); fees can include facility, broker & exit.
- • Secured on property. A realistic exit is essential.
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
0%
Bridging loan solutions we can help with
Commercial bridging loans
Fund business property purchases, refurbishments, or short-term cash flow gaps.
- Suitable for offices, retail, or industrial properties.
- Flexible drawdown options where available.
- Higher loan amounts may be available for commercial use.
Auction finance bridging loans
Secure funds quickly for property auctions where standard mortgages will not suffice.
- Fast completion to meet auction deadlines (often 28 days).
- Borrow up to around 75% LTV on the purchase price, subject to criteria.
- Post-purchase refinance options available.
Development bridging loans
Finance property development or refurbishment projects, from ground-up builds to conversions.
- Staged funding releases as work progresses.
- Terms up to around 24 months for larger projects.
- Specialist lenders for experienced developers.
Bridging loans with adverse credit
Do not assume options are limited if you have had missed payments, defaults, CCJs, or thin credit files. Specialist lenders may consider your application based on the strength of the deal.
- Recent adverse credit accepted by some lenders.
- A strong exit strategy (for example, sale or refinance) can improve chances.
- We will assess and present realistic options.
Why choose Wednesday?
- 1Specialist advisers with access to a wide bridging lender panel.
- 2Clear terms explained in plain English with 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 the bridging loan process works
- 1Quick enquiry – tell us about your project and timeline.
- 2Affordability & property check – we assess your budget, exit strategy, and asset value.
- 3Lender comparison – we search suitable lenders and recommend options.
- 4Agreement in Principle – get a soft approval to confirm feasibility.
- 5Full application – we manage the submission, valuation, and legal work.
- 6Offer and drawdown – funds are released quickly, often within days or weeks.
What lenders consider
- Property value and Loan-to-Value (LTV) ratio (typically up to around 75%).
- Exit strategy – for example sale, refinance, or rental income.
- Income and affordability for interest payments (where relevant).
- Credit history – adverse credit may be accepted with strong deals.
- Loan term and purpose – bridging is short-term only, usually 1–18 months (sometimes longer on development).
Helpful tools
- Bridging loan cost estimate.
- LTV calculator.
- Exit strategy planner.
Speak to an adviser for tailored calculations based on your circumstances.
Bridging loan FAQs – questions customers ask
A bridging loan is short-term finance designed to “bridge” a funding gap, often around property transactions. It is secured on property and is typically repaid within 1–18 months via sale, refinance, or other agreed means.
Typically from around £50,000 to £5m+, depending on property value, LTV and exit strategy. Many lenders will consider up to roughly 75% LTV, subject to criteria.
From enquiry to funds, it can be around 7–28 days for urgent cases, as bridging is designed for speed. Timescales depend on valuation, legal work and how quickly documents are provided.
Yes. Specialist lenders often consider adverse credit if the overall deal is strong—for example, good equity and a clear exit. We will usually check feasibility with soft searches first where possible.
Rates typically start from around 0.5–1.5% per month depending on risk, property type and lender. Interest can often be retained or rolled up so you do not have to make monthly payments, subject to LTV.
Bridging is for short-term needs and speed. Rates and fees are higher than standard mortgages, so where appropriate we will compare if a longer-term option might be more suitable.
Lenders may allow extensions, but extra interest and fees usually apply. A solid, realistic exit strategy is crucial—we will help you stress-test this before proceeding.
Ready to talk?
Get a free, no-obligation chat with a UK-based adviser. We’ll explain your options clearly and help you decide your next step with confidence.