Bridging Loans

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Working with thousands of lenders to find the right fit…

Bridge the gap to your dream home

Looking to secure your dream home while still waiting for the sale of your current property? Our bridging loans offer a flexible and speedy solution, bridging the financial gap between your existing mortgage and your new home purchase. Whether you’re a homeowner or property investor, our bridging loans provide the necessary funds to ensure a smooth transition in the property market.

We have access to Bridging Loan Companies that will lend on non status basis (minimal proof) and also to clients who may have adverse credit (County Court Judgements, Defaults).

Key benefits of our Bridging Loans:
Speedy approval, flexible repayment options, stress & hassle free, competitive interest rates and of course…dedicated support.

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What is a Bridging Loan?

A bridging loan is a short-term loan that helps bridge the financial gap between the purchase of a new property and the sale of an existing one. It provides temporary funds until a long-term financing solution is secured or the existing property is sold.

Bridging loans are used to prevent delays or seize time-sensitive opportunities. They have higher interest rates, require collateral, and offer quick access to funds.

What is the eligibility criteria?

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The eligibility criteria for a bridging loan can vary depending on the lender and specific circumstances.

However, here are some common factors that lenders typically consider when assessing eligibility:

Property collateral

Bridging loans are secured loans, meaning the borrower needs to provide suitable collateral, usually in the form of a property.

Ability to repay

Lenders assess the borrower's ability to repay the loan, considering factors such as income, assets, and existing debts.

Credit worthiness

Lenders may review the borrower's credit history to assess their creditworthiness and evaluate their ability to manage financial obligations.

Exit Strategy

Lenders will want to know the borrower's exit strategy, that demonstrates the borrower's ability to repay the loan within the agreed-upon term.

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.