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 · Auction · Refinance
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. interest
£12,015
Indicative only. Fees, compounding and precise lender terms can change these figures.
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%
Why choose Wednesday?
Specialist advisers with access to a wide bridging lender panel.
Clear terms explained in plain English with no surprises on fees.
Fast, proactive case handling with regular updates.
We’ll sanity-check your exit (sale or refinance) before proceeding.
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.
How the bridging loan process works
- 1
Quick Enquiry
Tell us about your project and timeline.
- 2
Affordability & Property Check
We assess your budget, exit strategy, and asset value.
- 3
Lender Comparison
We search suitable lenders and recommend options.
- 4
Agreement in Principle
Get a soft approval to confirm feasibility.
- 5
Full Application
We manage the submission, valuation, and legal work.
- 6
Offer 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).
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.
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
What is a bridging loan?
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.
How much can I borrow?
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.
How long does it take?
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.
Can I get a bridging loan with bad credit?
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.
What’s the interest rate?
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.
Is a bridging loan better than a standard mortgage?
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.
What if I can’t repay on time?
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.
Important information
Bridging loans are secured on property and your property may be repossessed if you do not keep up repayments or repay the loan when due.
Bridging can be regulated or unregulated. We will confirm the position and give the correct disclosures before you proceed.
Fees can include arrangement, valuation, legal, broker and sometimes exit charges. Retained or rolled interest can reduce the net advance.
A bridging loan is a short-term solution. If the exit route fails or slips, total costs can rise quickly.
Calls may be recorded for monitoring, training and quality assurance.
Important information
Wednesday Financial Services is a credit broker, not a lender. We work with a panel of lenders to find suitable options for you and keep information clear and fair so you can make informed decisions.
- 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.