These loans are designed to “bridge the gap” until a longer-term solution (sale, refinance, or development exit) is in place. Used well, bridging can unlock opportunities that a standard mortgage can’t, auctions, unmortgageable properties, fast purchases, or chain breaks.

Key idea: speed and flexibility now, with a clear exit later.

When bridging makes sense

• Moving home without a sale yet: secure your onward purchase and repay when your sale completes.
• Auction purchases / quick completions: meet 28-day deadlines.
• Refurbishments & conversions: buy unmortgageable stock, improve it, then remortgage or sell.
• Small-scale development: fund build/refurb costs and exit via sale or long-term funding.

How a bridge works (at a glance)

1. Security & loan size agreed against one or more properties.
2. Funds are released quickly (often far faster than a mortgage).
3. Interest is usually rolled up (no monthly payments), settled at exit.
4. Exit strategy (sale or refinance) clears the bridge.

Typical terms are short (often up to 12 months). The stronger your security and exit, the sharper the pricing.