Bridging Loans
Bridging Loans mortgage deals
Comparing mortgage deals is daunting when you’re starting out. So we put all our latest offers – sourced via our expert comparison tool – in one place. Our mortgage advisors will happily talk you through them.
Bridging Loan calculators
You’ve seen a spectacular property. In your dreams you already live there – but can you afford it? Introducing our mortgage calculator, the most reliable tool in the business when you need to number crunch fast.
Bridging Loan calculators
You’ve seen a spectacular property. In your dreams you already live there – but can you afford it? Introducing our mortgage calculator, the most reliable tool in the business when you need to number crunch fast.
Bridging Loans information
When you’ve worked hard to buy your first home, securing your first mortgage shouldn’t be taxing. Jargon-free and user-friendly, our mortgage guide tells you all you need to know.
Let Us Guide You
Check out our essential guides on all you need to know about the mortgage process.
How much deposit do I need?
When it coms to putting down a deposit to buy a property, the more you can save up, the better.
Do I need life insurance?
Protection for you and your family should the worst happen.
What are the different types of mortgage?
With so many different mortgage deals to choose from, finding the right one for your individual circmstances can feel difficult to find.
Bridging Loans FAQs
A bridging loan is a short-term finance solution (usually 6-18 months) designed to “bridge” gaps in funding—ideal for property auctions, chain-breaking, renovations, or quick purchases before selling an existing property. At Property Finance Choices, we offer loans from £50k to £10m+ with fast approvals (24-72 hours), perfect for investors or homeowners needing immediate liquidity. Repayment is flexible (e.g., sell a property, refinance, or use savings), and we tailor terms to your exit strategy. Let us turn urgency into opportunity!
Bridging loans can be arranged in 48 hours to 2 weeks, depending on complexity. We prioritize speed—using streamlined applications, minimal paperwork, and direct lender access. With no credit score obsession (focusing on asset value and exit plans), even complex cases (e.g., adverse credit, unregulated loans) get rapid approval. Need funds yesterday? We’ll make it happen!
Rates start from 0.4% monthly (6-12% annually), with fees including arrangement fees (1-2%), legal costs, and valuation charges. Total costs depend on loan size, term, and risk—but we negotiate competitive terms and disclose all fees upfront. No hidden surprises! Use our bridging loan calculator for instant estimates, or chat with us for a cost-effective solution.
Yes! Bridging loans focus on property value (up to 75% LTV) and your exit plan, not credit history or income. Even with defaults, CCJs, or self-employed status, we’ll connect you with specialist lenders who prioritize asset security over personal finances. Bad credit? No problem—your property’s potential is the key!
Bridging loans are secured against property (residential, commercial, or land), typically up to 70-75% loan-to-value (LTV). Second charges on existing assets or cross-collateralization (multiple properties) are also options. We’ll assess your portfolio, structure the loan to minimize risk, and ensure competitive terms. Whether it’s a derelict house flip or a auction win, your asset unlocks the cash—we handle the rest!
