Fast, Flexible Short-Term Property Finance.
Sometimes a traditional mortgage isn't the most suitable solution, particularly when you need to complete a purchase quickly or need short-term funding before arranging longer-term finance. A Residential Bridging Loan is a short-term secured loan designed to bridge the financial gap between buying and selling a property, or to provide temporary finance until a mortgage can be arranged.
How We Can Help
- Taking time to understand your circumstances and objectives.
- Explaining how Residential Bridging Loans work.
- Assessing your borrowing requirements and repayment strategy.
- Searching a wide range of UK bridging lenders, including specialist providers.
- Explaining fees, interest options, timescales and repayment methods.
- Managing your application from initial enquiry through to completion.
What Is a Bridging Loan?
A Residential Bridging Loan is a short-term, secured loan used to "bridge" a financial gap, for example between buying a new property and selling your existing one, or while you arrange longer-term finance. Bridging loans are typically arranged quickly and repaid within a matter of months, secured against property as collateral.
When Could Bridging Finance Be Suitable?
- Purchasing a new home before selling your current property.
- Buying a residential property at auction with short completion deadlines.
- Purchasing a property currently unsuitable for a standard mortgage.
- Funding renovation or refurbishment before arranging a traditional mortgage.
- Preventing a purchase from falling through because of delays.
Your Exit Strategy
Every bridging loan needs a clearly defined repayment plan, known as an "exit strategy". This is typically selling your existing property, refinancing onto a longer-term mortgage, or receiving funds from another agreed source. We will discuss your proposed exit strategy before proceeding.
Why Choose Us?
Whole of Market
We search a wide range of UK mortgage lenders rather than recommending the same solution to every client.
Personal & Friendly
Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.
Support Throughout
From your initial enquiry through to completion, and ongoing assistance afterwards.
Commercial & Business Bridging Finance
If your funding need relates to a commercial property, business premises or property development, we can introduce you to a specialist adviser within Flexi Network who is authorised to advise on commercial and business bridging finance.
Our Service Includes
- Searching a wide range of UK lenders.
- Identifying lenders whose criteria may suit your circumstances.
- Explaining the mortgage process in straightforward language.
- Managing your application from start to finish.
- Working closely with housing associations, solicitors and lenders to help keep your purchase progressing smoothly.