Bridging Finance
Fast, short-term property finance — completed in days, not weeks. Auction, chain-break, land and refurbishment bridging from 90+ specialist lenders.
Bridging finance in 2026 — the plain-English guide
A bridging loan is a short-term secured loan, normally lasting 1 to 18 months, that "bridges" a gap between two transactions. You borrow against a property, take the funds you need now, then repay via a defined "exit" — typically a sale or a remortgage onto a standard mortgage.
The bridging market has matured significantly. UK bridging lending hit record volumes in 2025 and rates have continued to soften through early 2026 as more specialist lenders enter the market. Typical monthly rates now sit at 0.55% – 1.2%, with the cheapest "regulated" bridging on prime residential security closer to 0.55–0.70% per month.
Bridging is no longer a "lender of last resort" — it's a mainstream tool used by buyers, landlords, developers and homeowners to move at speed when a standard mortgage simply can't.
Typical completion time
Monthly interest rate
Standard max LTV
Choose the right type of bridging finance
Different scenarios call for different bridging products — and different lenders. Browse the most common types we arrange.
When does bridging make sense?
- You've found a property to buy but haven't sold your current one yet (chain break).
- You've won at auction and need to complete inside 28 days.
- The property is unmortgageable in its current state — bridging funds the purchase and refurb, then you remortgage onto a standard product.
- You're a landlord wanting to acquire quickly before remortgaging onto a buy-to-let mortgage.
- You need to release equity fast for a business opportunity, tax bill or downsizing strategy.
- You're buying below market value and need to move before another buyer steps in.
Read more: Our full bridging loans explained guide covers open vs closed loans, exit strategies and worked cost examples.
Bridging finance — your questions answered
Get a free bridging quote
Tell us about your scenario and timeline. We'll come back same-day with indicative rates from the right specialist lenders.
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Tell us about the property
Estimates are fine — we'll refine the numbers together.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Full plain-English guide
Standard BTL options to exit a bridge
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Finance for auction purchases
Bridging for development projects
Fast bridging finance
Other short-term options
No-deposit bridging
Finance for land purchases
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