Bridging Finance

A bridging loan is a short-term, secured loan designed to bridge the gap between a property purchase and a longer-term financial solution. It’s commonly used when buyers need fast funding or when traditional mortgage lenders aren’t able to move quickly enough.

🔹 Short-term loan (typically 3–12 months)
🔹 Secured against property (residential or investment)
🔹 Flexible repayment options (interest roll-up or monthly payments)
🔹 Quick approvals – often within days

Need to buy a property quickly but waiting for your existing home to sell? A residential bridging loan can help.

✅ Buy Before Selling – Secure your new home before your current property sells.
✅ Broken Property Chains – Avoid losing out due to delays in a sale.
✅ Auction Purchases – Complete quickly when traditional mortgages take too long.
✅ Unmortgageable Properties – Buy a home that doesn’t meet standard lending criteria (e.g., requires renovation).

For landlords, developers, and investors, bridging finance is a powerful tool for seizing opportunities quickly.

🏠 Buy-to-Let Investment – Fund the purchase of a rental property before arranging a buy-to-let mortgage.
🏚 Refurbishment Projects – Buy and renovate properties that need work before refinancing or selling.
🔨 Property Development – Secure finance for conversions, extensions, or new builds.
🏡 HMO Conversions – Finance multi-let properties before moving to long-term investment finance.

1️⃣ Application & Approval – Fast decisions, often within 24-48 hours.
2️⃣ Valuation & Legal Work – Property valuation and legal checks carried out quickly.
3️⃣ Funds Released – Once approved, funds can be available in days, not weeks.
4️⃣ Exit Strategy – Repay via a remortgage, property sale, or other agreed method.

Bridging loans are interest-only, with payment options including:

✔️ Monthly Interest Payments – Pay the interest each month, keeping the loan balance stable.
✔️ Rolled-Up Interest – No monthly payments, with interest added to the loan and repaid at the end.

✔️ Speed – Quick funding when traditional mortgages are too slow.
✔️ Flexibility – Borrow for different property types, including those needing refurbishment.
✔️ High Loan-to-Value (LTV) Options – Borrow up to 75% LTV in some cases.
✔️ No Monthly Repayments (If Rolled-Up Interest Chosen) – Reducing cash flow pressure.
✔️ More Lending Options – Suitable for those who may struggle with traditional mortgage criteria.

⚠️ Bridging Loans Are Short-Term – Ensure you have a solid exit strategy (sale, remortgage, or another funding source).
⚠️ Interest Rates Are Higher – Because bridging loans are short-term, rates are usually higher than traditional mortgages.
⚠️ Additional Fees Apply – Lender arrangement fees, legal fees, and valuation fees should be factored in.
⚠️ Your Property is at Risk – As with any secured loan, failure to repay could lead to repossession.

Item descriptionBridging loans are available to:

✅ Homeowners looking to buy before selling
✅ Property investors & landlords expanding their portfolio
✅ Developers funding a renovation or conversion project
✅ Self-employed applicants who may struggle with mainstream mortgages
✅ Buyers of unusual properties that don’t qualify for a standard mortgage

Bridging finance lenders offer more flexible criteria than high-street banks, making it an attractive option for those who need fast property finance.

At J Finance, we help homeowners and investors secure the right bridging loan for their needs. With access to specialist lenders, we find solutions tailored to your property goals—whether you’re buying a home, investing in property, or funding a development project.

📞 Call us today for a free, no-obligation consultation.
📩 Book an appointment to discuss your bridging finance options.

Need property finance fast? Let J Finance help you secure the funding you need.

We are happy to hold meetings remotely or our advisers are based all over the UK in locations such as Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Yorkshire, Derbyshire and London.