Bridging Loans

Need to move quickly on a property, but traditional finance is too slow? Bridging loans offer short-term funding secured against property ideal for time-sensitive purchases or refurbishment projects.

Whether you're buying at auction, renovating, or purchasing before your current home sells, we can help you find the right solution.

A bridging loan is a short-term finance option secured against residential, investment, or commercial property. It's typically used to 'bridge the gap' between buying and selling, or to raise funds quickly for a property transaction.

Loan terms usually range from 1 to 18 months, with repayment made through a property sale, refinancing, or another exit strategy.

You might consider bridging finance in the following scenarios:

Buying a property at auction with a 28-day completion deadline

Bridging the gap between purchase and sale when chains are delayed

Funding refurbishment projects (light or heavy)

Raising capital quickly for investment or business purposes
 

Moving faster than a traditional mortgage allows
 

At SND Mortgages, we can arrange:

Standard Bridging Loans
For straightforward purchases where speed is essential.

Light Refurbishment Loans
For non-structural upgrades like kitchens, bathrooms, and cosmetic improvements.

Heavy Refurbishment Loans
For projects involving structural changes, extensions, or significant alterations.

We'll help you understand the criteria, interest rates, and terms that apply to your chosen option.

If your original loan term is coming to an end and your exit strategy isn’t yet in place, there are two common options:

Loan Extension
Some lenders may offer a short extension if progress toward repayment is clear. This is not guaranteed and may involve extra costs or revised terms.

Rebridge (Rebridging Loan)
If an extension isn't available, a new bridging loan may be used to repay the original one. We’ll help you explore whether a rebridge is suitable and cost-effective in your situation.

Bridging finance is designed for speed. With the right documentation and legal support, funds can sometimes be released in as little as 5 to 10 working days. Timings vary based on the property type and lender process.

Loan amounts depend on:

  The market value of the property used as security

The loan-to-value (LTV) accepted by the lender

Your exit strategy (e.g. sale, refinance)
 

We’ll assess your circumstances to find a lender that suits your needs and risk profile.

This depends on how the loan is used:

Regulated Bridging Loans

These are authorised by the Financial Conduct Authority (FCA) and apply when the property is, or will be, your main residence (or a family member's).
 

Unregulated Bridging Loans

These are used for investment or business purposes—such as buy-to-let, commercial property, or property development—and fall outside FCA regulation.
 

We’ll confirm whether your case is regulated and explain all terms and risks clearly before proceeding.

Independent advice tailored to your property goals

Access to a wide panel of bridging lenders

Expertise in both regulated and unregulated bridging finance

Support with auction purchases, refurbishments, rebridging, and extensions

FCA-compliant advice you can trust
 

Bridging loans are short-term solutions and may not be suitable for every borrower. You must have a clear and realistic exit strategy in place

Your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.