Bridging finance is usually used when you want to buy a property before you sell or refinance an existing property.
It is, in effect, a short term loan rather than a longer term mortgage. Like a longer term mortgage, bridging finance is usually secured on an asset.
Bridging loans are popular with small and amateur investors buying at auction or looking to borrow for a short period of time before selling on or refinancing with a longer term facility after improvements have been completed. They are also used by people looking to buy a new home before they have sold their old one.
We're specialists in bridging finance.
Bridging loans can be very useful but they are costly and usually issued for a fixed period meaning that time is very much of the essence. If you can’t sell the property you are looking to sell within the time you have then your financial situation can quickly become desperate, perhaps forcing you to sell at a loss in order to meet your obligations. Usually the lender will want you to have a robust “exit strategy” before they agree the loan.
Bridging loans are usually much more expensive than typical mortgage rates. There are also likely to be a variety of arrangement fees, redemption penalties and other costs - so be careful!
We thoroughly recommend that when considering a bridging loan you take professional advice from a regulated member of the FCA.
Contact Mortgage Required for a no-obligation chat on 01628 507477.
Download our Free First Time Buyers Guide
Recent posts
Losing your job or finding yourself ‘between jobs’ is, unsurprisingly, a stressful place to be. Keeping a cool head and taking action is important.
Best UK Mortgage Rates this Week
5 days ago
Here are the lowest fixed mortgage rates of the week, available to first-time buyers, home movers, buy-to-let, and those remortgaging.
Call us for more information: 01628 507477 or email: team@mortgagerequired.com.
Flats 40% cheaper to buy than houses
10 days ago
This price gap between the cost of houses and flats is the biggest it has ever been. Houses are now costing 1.7 times more than a flat, which is 0.4 times higher than 10 years ago
Take a look at our list of houses vs. flats per area.
Are mortgage rates set to increase?
19 days ago
We have seen several lenders increase their mortgage rates over the last couple of weeks. This suggests mortgage rates are likely to rise.
Although nothing is set in stone, lender repricing, rising swap rates, and continued economic uncertainty suggest borrowers should prepare for higher mortgage costs.
AI-altered images put off over half of buyers
24 Aug 2026
According to data from House Buyer Bureau, where over 900 UK homebuyers were surveyed, 54% of people said that they immediately ruled out digitally enhanced property listings.
April Mortgages offer 7x Income Mortgage
13 Aug 2026
April Mortgages - only accessed via a mortgage broker - offers first-time buyers, renters, and home-movers the option to borrow up to 7 times their income on its longer-term mortgages.
Andy Burnham’s Potential Changes
22 Jul 2026
Despite the Prime Minister not yet announcing any policies to abolish or change Stamp Duty, speculation persists that this could become government policy.
Burnham, who officially became Prime Minister on Monday, 20th July, has expressed strong support for a significant reform of property taxes over recent years. He said that he will deliver “the most significant change moment in our politics for 40 years.”
Young borrowers concerned about credit score
7 Jul 2026
Almost half of young adults are worried about their credit history stopping them from renting or buying a property, according to data from Loqbox
More information
Trusted by
