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FCA Regulated & Unregulated Partners

The UK's Premium Platform for
Bridging Loans Online

Bypass high-street delays. Secure institutional property finance from £25k to £10m in days, not weeks. Check your exact rates instantly.

Instant Bridging Loan Calculator

Adjust the parameters below to configure your required facility and calculate your gross LTV.

Estimated Gross LTV

50.0%
LTV exceeds standard 75% limit. A larger deposit or additional security may be required.

Your Facility Estimate

Based on standard unregulated rates. Subject to lender underwriting.

Net Loan Amount (Funds to you)£250,000
Lender Facility Fee (Est. 2%)£5,000
Retained Interest (12 months @ 0.85% pm)£25,500
Estimated Gross LTV56.1%
Total Gross Loan (Amount to repay)£280,500

Types of Bridging Loans

Bridging finance is designed to be short-term and is always secured against UK bricks and mortar or land. It is often used when a conventional mortgage takes too long, when breaking a property chain, or in urgent situations to clear mortgage arrears and avoid repossession.

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Auction Finance

Secure funds rapidly to meet strict 28-day auction completion deadlines.

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Residential Bridging

Break property chains and secure your dream home before your current one sells.

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Property Development

Short-term capital to fund ground-up builds or development exit strategies.

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Hard Money Loans

Asset-based loans focused entirely on property value rather than personal credit.

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Overseas Properties

Leverage equity in your UK assets to quickly purchase property abroad.

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Capital Raising

Unlock equity from unencumbered properties for urgent business cash flow.

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Closed Bridging Loans

Loans with a fixed, guaranteed exit date (e.g., contracts already exchanged).

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Commercial Bridging

Finance for retail units, offices, and semi-commercial mixed-use properties.

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Refurbishment Finance

Funding to renovate "unmortgageable" properties before flipping or refinancing.

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Self-Build Bridging

Tranche-based funding to assist with the progressive stages of a self-build project.

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Land Bridging Finance

Secure land quickly, either with or without existing planning permission.

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Pensioner Bridging

Flexible short-term options for retirees looking to downsize or release equity.

The Masterclass: Bridging Loans Explained

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Gross vs. Net Loan

Unlike a standard mortgage, bridging loans operate on a Gross/Net basis. Understanding this is crucial for securing funding using our bridging loan calculator.

  • Net Loan: The actual cash you receive in your bank account to fund your purchase or project.
  • Gross Loan: The total debt you owe the lender at the end of the term (Net Loan + 2% Facility Fee + Rolled-up Interest).
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Regulated vs. Unregulated

The Financial Conduct Authority (FCA) strictly categorizes bridging loans based on who occupies the property.

  • Regulated: If you or a family member live or intend to live in the property. Subject to strict affordability checks.
  • Unregulated: Used purely for investment (Buy-to-Let, Commercial). Lenders are highly flexible, focusing on the asset rather than personal income.

Frequently Asked Questions

Everything you need to know about securing bridging loans online.

A closed bridging loan has a guaranteed, fixed exit date—for example, when you have already exchanged contracts on the sale of your current home. An open bridging loan has no fixed date for when the funds will be repaid (though there is still a maximum term, usually 12-24 months), which makes them slightly higher risk for the lender.
Interest rates for bridging loans typically range from 0.75% to 1.5% per month. The exact rate depends on your Loan-to-Value (LTV) ratio, the type of property, whether the loan is regulated, and the strength of your exit strategy.
Yes. Because bridging finance is secured against a physical asset (bricks and mortar), lenders are often more concerned with the value of the property and your exit strategy than your personal credit score. CCJs, defaults, or a lack of credit history can often be accommodated, especially in the unregulated market.
In most cases, no. The majority of bridging finance operates on a "Retained Interest" basis. The total interest for the term is calculated upfront and added to your Gross Loan. You pay nothing monthly, settling the entire balance when you sell or refinance.
Yes. If you are facing imminent repossession due to mortgage arrears, a bridging loan can be used to quickly clear the debt with your current lender, giving you breathing room to sell the property on your own terms at market value, rather than losing it at a forced auction.
A Decision in Principle (DIP) can often be issued within a few hours. Following property valuation and legal checks, funds can typically be drawn down in 5 to 14 days. In urgent scenarios, some specialist lenders can complete the transaction in as little as 3 days.
Lenders assess their risk based on the Gross Loan (which includes the money you borrow, plus all fees and interest). Institutional lenders rarely exceed a 75% Gross LTV limit. If you require a higher percentage, you will usually need to offer additional property as security (known as a 'second charge').