Short-term property finance, funded in days. Compare regulated and unregulated bridging rates from 200+ UK lenders for auction purchases, chain breaks, renovations, and more.
Speed
3-14 days
Rates From
0.4%/month
LTV
Up to 80%
Amounts
£25k–£25m
Need a bridging loan? Compare rates in 2 minutes — no credit check.
Check EligibilityWin at auction with confidence. When the hammer falls, you typically have 28 days to complete — far too tight for a conventional mortgage. A bridging loan puts the funds in your account within days, letting you bid on residential lots, commercial units, repossessions, and unusual properties that high-street lenders won't touch. Once you own the asset you can refinance, renovate and sell, or move in at your own pace.
Learn moreOne weak link should not cost you your home. When a buyer withdraws, a mortgage falls through, or a lower chain collapses, a chain-break bridging loan lets you proceed with your purchase regardless. You buy independently of the sale, remove yourself from the chain entirely, and sell your existing property as a vacant, ready-to-move-into home — typically achieving a better price and a faster sale than a chain-encumbered listing.
Learn moreMove faster than the competition on investment properties. When a desirable rental property comes to market or a portfolio deal needs to complete before month end, a buy-to-let bridging loan lets you exchange and complete in days rather than weeks. Bridge the purchase now and refinance onto a standard BTL mortgage once the property is tenanted and producing rental income that satisfies a mortgage lender's stress test.
Learn moreCommercial bridging finance unlocks transactions that mainstream lenders cannot process quickly enough — or at all. Whether you are acquiring a retail unit, an office building, a pub, a hotel, or a mixed-use block, a commercial bridge gives you the speed to outmanoeuvre competitors, complete distressed acquisitions, and position assets for long-term commercial mortgage refinance. Lenders focus on asset value and exit viability, not just trading history.
Learn moreStop waiting for your current home to sell before you can move. A buy-before-selling bridge lets you complete on your new property immediately, using the equity in your existing home as security. You move, settle in, then sell your old property at your own pace — without the pressure of a collapsing chain or an impatient buyer rushing your decision. It is the modern alternative to the traditional property chain.
Learn moreSecure a plot before it slips away. Land transactions are notoriously difficult to finance through conventional channels: most high-street lenders simply will not lend against bare land, and specialist development lenders often require planning permission before they will engage. A land bridging loan lets you acquire the site immediately — with or without planning — and gives you the runway to obtain consent and arrange long-term development finance.
Learn moreYou have built it — now optimise how you exit it. When a development project reaches practical completion, the expensive development finance facility that funded the build is no longer appropriate. A development exit bridge lets you refinance off high-rate development debt at significantly lower rates, buying you the time to sell units individually at market value rather than accepting a bulk discount, or to re-tenant a scheme before refinancing onto long-term investment debt.
Learn moreSecure your next home before the mortgage paperwork catches up. Whether you are moving to a new area, upsizing at speed, or buying a property that temporarily falls outside standard lending criteria, a bridging loan gives you the transactional speed of a cash buyer. You complete on your new home now and repay the bridge when your existing property sells or your long-term mortgage funds.
Learn moreA dated kitchen, tired bathrooms, and tired carpets should not stand between you and your next property deal. Light refurbishment bridging loans fund cosmetic and moderate improvement works — without the complexity of a full development facility. Draw the purchase funds on day one, complete your refurbishment quickly, and exit onto a buy-to-let mortgage, a residential remortgage, or a straightforward sale at the improved value.
Learn moreThe same speed as an unregulated bridge, with the full protection of FCA regulation. When your bridging loan is secured against a property you live in — or intend to live in — it becomes a Regulated Mortgage Contract, and you are entitled to the same consumer protections as any standard residential mortgage. Regulated bridging finance is ideal for homeowners who need to move fast without sacrificing their legal rights.
Learn moreFund the purchase and full refurbishment of a property in one facility. Whether you are flipping a tired Victorian terrace, converting a former pub into flats, or upgrading a dated family home to a high-end finish, a renovation bridging loan advances funds in tranches as the work progresses — so you are only paying interest on what you have drawn. Repay when the property sells or refinances at its improved value.
Learn moreAccess the equity in your property without disturbing your existing mortgage. A second charge bridging loan sits behind your first mortgage lender, unlocking capital from property you already own — for a business opportunity, a property purchase, tax liabilities, or any purpose where speed matters. You keep your existing mortgage terms intact, avoid early repayment charges, and repay the second charge bridge from a defined exit event.
Learn moreCompare bridging loan rates from 200+ lenders — 2 minutes, no credit check
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