Bridging Finance

A bridging loan is a short-term financing solution intended to help you bridge the gap between buying a new property and selling your existing one, covering refurbishments, or facilitating a rapid purchase.

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If you’re in need of fast, short-term finance, bridging loans could be the solution you’re looking for. At The Mortgage Blog, we work with a network of expert brokers who can tailor lending options to suit a variety of needs. Whether it’s securing funds for a quick property purchase, refinancing, or even a refurbishment project, we’ve got you covered.

Bridging loans typically last up to 12 months and offer the speed and flexibility crucial for time-sensitive projects. They benefit those looking to buy at auction, acquire land, or invest in semi-commercial or commercial assets. Our experienced brokers are here to guide you through the process, ensuring your clients’ projects can proceed without a hitch when timing is everything.

We can assist with the following bridging requirements;

Residential

Regulated – Regulated bridging typically involves lending on a borrower’s primary residence.
Purchase – Where purchasing a residential investment property, the borrower funds any works required.
Refinance – For short-term cash flow needs or refinances of existing charges.

Commercial/Semi Commercial/Land

Purchase – Purchasing a commercial or semi-commercial asset.
Refinance – For short-term cash flow or refinances of existing charges.

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What to expect

Financial Assessment

First, your advisor will examine your financial situation and propose the right solution. This will include conducting a fact-find and gathering a range of information from you.

Finance Search

Next, your advisor will scour the market for the right type of finance tailored to your needs. With access to a vast range of lenders and even exclusive offers that aren’t available to the public, they’ll help you get the most value for your money. They’ll present these options to you for your consideration.

Full Application

Once you have agreed on which lender to proceed with, your advisor will complete a full application to the lender.

Agreement in Principle

When you’re ready to proceed, your advisor will apply to the chosen lender with all the necessary paperwork. They’ll also provide you with a clear mortgage illustration, showing exactly what you’re signing up for.

Valuation

You’ll then pay for a valuation, which can often take 1-3 weeks to arrange and receive a full report. The lender will assess the report to ensure the subject property is suitable.

Full Mortgage Offer

Once the valuation has been approved, the lender will issue a full mortgage offer. You’ll receive a copy for your records, and a copy will be issued to your solicitor.

Solicitors

At this stage, the lender’s solicitor will contact your solicitor and request a range of searches and replies depending on the specific scenario.

Completion

The mortgage will be paid out and go live on the day of completion.

Our Experts

With The Mortgage Blog, you’ll have a dedicated team supporting you every step of the way. We’ll lift the burden, saving you time and sparing you the stress.

Our exceptional brokers will find the best mortgage deal for you, and with our wealth of experience, you’ll be holding the keys to your new home before you know it!