Fast Capital, Bridging the Gap
A bridging loan is short-term property financing designed to bridge a gap between buying and selling, or to unlock a time-sensitive opportunity. Funds in as little as 7 days.
When Is a Bridging Loan the Right Solution?
Auction Purchases
Win a property at auction and complete within 28 days as required. Bridging loans are the standard solution for auction buyers who need fast, certain funding.
Chain Break
Your purchase has fallen through but you have found a new buyer. A bridge lets you proceed with your next purchase without losing the property you want.
Property Development
Fund light refurbishment to heavy development. Some lenders will release funds in tranches as work progresses, protecting both borrower and lender.
Below Market Value
Secure a BMV deal before it disappears. Speed of funding is critical and a bridging loan is often the only way to move fast enough to take advantage.
Unmortgageable Property
Properties that do not meet standard mortgage criteria (no kitchen, structural issues, uninhabitable) can still be bridged while you make them mortgageable.
Business Cash Flow
Sometimes property owners use a bridge against their property to solve a short-term business cash flow challenge while awaiting a contract payment.
Open vs Closed Bridge
Closed Bridge
You have a confirmed exit date (e.g. contracts exchanged on your sale). Lower rate, greater certainty for the lender.
Open Bridge
No fixed exit date yet, but a credible plan. Slightly higher rate to reflect the additional uncertainty for the lender.
| Feature | Closed Bridge | Open Bridge |
|---|---|---|
| Rate from | 0.65%/month | 0.75%/month |
| Max term | 12 months | 18 months |
| Exit required | Yes — confirmed | Credible plan |
| Speed | 7–14 days | 7–14 days |
| Max LTV | 75% | 70% |
🌙 Bridging Cost Calculator
Interest can be rolled up into the loan in most cases.