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A bridging loan is a short-term property finance solution.
While similar to standard mortgages, bridging loans are designed for temporary use, typically lasting 12 months. They are not intended as long-term financing options for property purchases.
Instead, they help bridge the financial gap between two property transactions. Whether you’re buying a new property before selling your current home or purchasing a property to renovate and then refinancing with a buy-to-let mortgage, bridging loans offer versatile solutions for various scenarios.
Representative Example - Chain Break Bridging Loan
Sarah found her perfect home listed at £300,000 but her buyer pulled out at the last minute, breaking her chain. Rather than lose the property, she secured a £240,000 bridging loan cross-charged against both the new purchase and her existing unencumbered home, each valued at approximately £300,000, giving a combined LTV of just 40%. At 0.55% per month over a 6-month term, interest totalled £7,920. The lender's 2% arrangement fee added £4,800, with solicitor and legal fees of approximately £1,500, bringing total borrowing costs to £14,220. As the property was technically a second home during the bridging period, Sarah also paid an SDLT surcharge of approximately £14,750 upfront, which was reclaimed in full once her original property sold and the bridge was repaid. Her chain break cost her £14,220 and she didn't lose the house.
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We specialise in arranging bridging finance for residential, commercial, and land transactions.
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Bridging Loans
iBrokr
Save Money Market’s loan application system is powered by iBrokr Ltd. iBrokr was founded by experts in both lending and broking to provide you with advice on a range of specialist products – so whether you need bridging finance for a home purchase or property development , you’ll always speak to a specialist in each area. We believe in responsible borrowing, and want to make your money work for you. Through our system and relationships with an extensive panel of market leading lenders, we can find the best deals to match your situation.
FEES MAY BE PAYABLE ON DEPENDING ON YOUR CHOICE OF FINANCIAL PRODUCT. THIS WILL DEPEND ON YOUR CIRCUMSTANCES AND WILL BE DISCUSSED AT THE EARLIEST OPPORTUNITY.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY
We are not a lender; we act as an introducer. We are not regulated by the Financial Conduct Authority (FCA). By using our service, you agree that we may share your details with an FCA-regulated broker who can assist with your enquiry.