Bridging Finance
1st Charge Bridging Loans
Short-term first charge loans secured against investment, commercial or mixed-use property. Fast decisions and adverse credit considered.
A first charge bridging loan is a short-term secured facility where the lender takes a first legal charge over the borrower's property. These loans are typically used when speed is critical — for auction purchases, capital-raising, refinancing or resolving a chain break — and where a conventional mortgage either cannot be arranged in time or is unavailable due to the borrower's credit profile.
Fast Completion
Bridging loans can complete in days rather than weeks. For time-critical transactions such as auction purchases or chain-break refinances, speed is often the primary driver.
Adverse Credit Considered
CCJs, defaults, missed mortgage payments and prior insolvency events are assessed case-by-case by specialist lenders. The strength of the security and exit strategy often carries more weight than credit history alone.
Flexible Loan Terms
Terms typically range from 1 to 24 months with interest retained, rolled or serviced monthly. Arrangement fees and exit fees vary by lender and case complexity.
Clear Exit Strategy Required
All bridging lenders require a credible exit — typically refinance to a term mortgage or sale of the property. We help structure your case to present the exit clearly.
Suitable For
- Property investors purchasing at auction
- Landlords refinancing investment property quickly
- Business owners raising capital against property
- Directors with CCJs, defaults or historic insolvency
- Purchases where a standard mortgage cannot complete in time
- Chain-break and time-critical completions
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Complex credit history, tight deadlines or unusual structures — we have seen it all. Speak with a specialist today.
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