-
Bridging Finance
-
We'll arrange the best bridging loan available on the market for you. Guaranteed.
-
- Markets
Bridge Financing UK
Bridging loans provide quick, short-term financing options to purchase property, raise funds or release equity from an existing asset. Bridging loans in the UK are in many ways similar to short-term mortgages but typically last for a few weeks to around 36 months, and are secured against real estate.
Get in Touch
UK Bridging Loans
Bridging loans is a much faster alternative to traditional mortgages. Ideal for scenarios where timing is crucial, such as securing a property purchase at auction or closing a deal by a certain date, these loans give you the flexibility to move quickly. Whether you're buying property or needing to unlock capital, UK bridging finance offers a solution when time is of the essence, unlike mortgages which often take many months to complete.
We arrange bridging loans across the UK, catering to loans of all sizes, from small transactions to multi-million-pound deals. Our network of lenders ensures we can help with residential, commercial, and development projects throughout the country, including high-value properties and complex transactions. We also work with clients from all over the world, including individuals and corporate clients, whether you’re based in the UK or abroad, or even based in the UK with an overseas nationality.
UK Bridging Loans: Costs
Why Should You Consider a UK Bridging Loan?
How Can UK Bridging Loans Be Used?
The cost of a UK bridging loan can vary based on several factors, including the loan amount, property value, and your financial position. Interest rates typically start at around 1% per month, but this can fluctuate depending on the specifics of your loan.
Other costs may include:
- Valuation Fees: These cover the cost of assessing the value of your property
- Arrangement Fees: Lenders typically charge a fee to cover the costs of setting up the loan
- Legal Fees: Legal costs for handling the paperwork involved in the loan
- Admin Fees: Fees charged by the lender for managing the loan
When you approach us, we’ll make sure you know exactly what to expect, and we’ll guide you through the costs associated with your loan.
UK Bridging Loans: At a Glance
- Loan Size: £50,000 to £10 million+
- Property Types: Residential, commercial, high-value properties, land, and development projects
- Location: Available across the UK, with a focus on prime areas like London, the South East, and major cities
- Term: 1-24 months
- Loan-to-Value (LTV): Up to 75% (depending on the property and circumstances)
- Borrowers: Individuals, corporate entities, SPVs, trusts, and more
- Uses: Property purchase, renovation, development, equity release, debt consolidation, and bridging gaps in funding
UK bridging loans are a great option when you need quick access to funds and a traditional mortgage simply isn’t feasible or required. These loans are particularly useful when you face deadlines, like losing a deposit on a property or needing to finalise a deal in a short time frame.
They’re often used for:
- Property Purchases: Secure a deal quickly before the opportunity passes, especially where you’re waiting for another property in your portfolio to sell
- Refinancing: If you need funds urgently to refinance an existing property
- Renovations: Quick finance for property development or refurbishment projects
- Equity Release: Access funds from your existing property for other investments or purposes
In each scenario it's important to consider how the loan will be exited, often with sale of the property such as in the event of a refurbishment project.
One of the many reasons our clients choose bridging finance is because it can be used in a wide range of scenarios and to suit a wide variety of different needs:
- Property Purchase: Whether you're buying a residential or commercial property, a bridging loan lets you secure the deal while awaiting long-term financing
- Renovation and Development: Use bridging finance to fund property development projects or home improvements
- Debt Consolidation: You can consolidate debts or use the funds from a bridging loan to pay off existing liabilities or meet business obligations
- Equity Release: Unlock the value of your current property to fund new investments or other ventures
Although bridging finance is not as common as traditional mortgages, it is often the best solution in urgent situations. As long as you use the finance responsibly and have a clear repayment plan, bridging loans are no riskier than any other mortgage product.
We're here to help.
We're here to make accessing international bridging finance and equity release fast and easy. Get in touch to get started and we'll help you access the best deals available on the market.
Let’s Talk
I own my international property via an entity. Can lenders accomodate this?
Yes. You can access international bridging loans as an individual or couple or as a company where your corporate entity is the borrower. In the latter case, lenders can cater to bridging loans that include structures to meet the needs of the increasing numbers of property owners who use various types of corporate entities to hold their international property. Using a corporate entity in a bridging loan deal does not necessarily make the transaction longer or more complex - many lenders now specialise in this type of deal.
Do lenders have criteria for international bridging loans and equity release?
Some international bridging lenders have rigid lending criteria, and others don't. However, because international bridging finance and equity release remains a specialist area of the bridging market, some lenders are able to take a very broad approach to evaluating borrowers and underwriting. In many cases, this means they can consider letting you borrow even if you have unusual financing requests, background or income. That said, to be able to borrow, you'll need a solid exit strategy, and the loan will need to be affordable before lenders can consider offering you this type of finance.
I want to borrow a significant amount against international property. Is it possible?
Yes! More and more lenders are moving into the international equity release and bridging market. There are a range of lenders who offer everything from relatively small loans of a few hundred thousand pounds, all the way up to multi-million-pound bridging deals.
Do I have to borrow in GBP?
No. Lenders offer international bridging loans in various currencies. This is especially useful if you want to release equity from your international property and don't necessarily want to use the loan capital in the same country as the property your loan is secured against. You can, for example, use property in Spain valued in euros as collateral for an international bridging loan but access a loan in pounds sterling if you will use the capital for a project in the UK. Almost any number of currency combinations are possible here.
Global Bridging helped connect me with a lender that would let me release significant equity from my international property. Great service!
Borrower International property owner
We arranged an international bridging loan for a HNWI with multiple properties around the world. Global Bridging helped us access a lender that would let our client borrow via one of the corporate structures we administer. The whole process was fast and easy even though we had an unusual and complex situation.
Corporate Trustee International corporate and trust services provider
I faced losing my deposit on a property I was buying abroad because I couldn't get the international mortgage I needed. Global Bridging arranged an international loan for me, which meant I could get the transaction over the finish line without giving up my initial investment.
Borrower European property owner