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Bridging loans

Bridging loans

Short-term property finance from 0.69% a month, on terms of 1 to 24 months. Use it to buy quickly, refurbish, or bridge a gap until a sale or longer-term mortgage completes.

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No credit search and no upfront fee.

priced deal by deal
From 0.69% a monthpriced deal by deal
with additional security
Up to 100% LTVwith additional security
short-term terms
1 to 24 monthsshort-term terms
real estate facilities we arrange
£1m to £100mreal estate facilities we arrange

What is a bridging loan?

A bridging loan is short-term finance secured on property, used to complete a purchase or project before longer-term funding or a sale is in place. Terms run from 1 to 24 months, and interest is usually rolled up or retained so there are no monthly payments during the term. The loan is repaid in one go from an agreed exit, such as a sale or a refinance onto a commercial mortgage.

Common uses

  • Buying commercial or mixed-use property at auction or against a tight deadline
  • Light or heavy refurbishment before refinancing onto a term loan
  • Chain breaks, where a purchase completes before a sale
  • Releasing equity quickly for a business opportunity
  • Bridging a portfolio landlord between acquisitions and a portfolio refinance
  • Development exit, where a completed scheme is refinanced while units are sold

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Bridging loans

How it works

  1. 1

    Set the purpose and exit

    We agree what the loan is for and how it will be repaid before anything else.

  2. 2

    Value the security

    The lender instructs a valuation of the property and any additional security offered.

  3. 3

    Agree terms

    Loan size, rate, fees, term and how interest is treated are set out in indicative terms.

  4. 4

    Legal work and completion

    Solicitors complete title checks and the charge, then funds are released.

  5. 5

    Exit

    The loan is repaid from a sale or refinance, ideally well within the term.

Who it suits

Bridging finance suits businesses and investors who need speed or a short-term solution, including:

What lenders look at

The exit
A credible, evidenced route to repayment is the most important part of any bridging application.
The security
Property type, location, condition and value, plus any additional property offered.
Loan to value
Lower leverage usually means sharper pricing.
Experience
For refurbishment or development, your track record with similar projects.
Costs and timeline
For works, a realistic schedule of costs and programme.
The borrower
Ownership structure, credit history and any existing borrowing.
At a glance

Typical terms

Typical terms
PricingFrom 0.69% a month, priced deal by deal
Loan to valueUp to 100% LTV with additional security
Term1 to 24 months
InterestTypically rolled up or retained
SecurityFirst or second charge over property, plus any additional security
Overall real estate range£1m to £100m

All figures are "up to" or "from" and subject to status and lender approval.

Our process

How GBF runs the process

We start by testing the exit, because that drives which lenders will look at the deal and on what terms. We then gather property details, valuations, ownership information and any schedule of works, build a clear credit case and approach suitable lenders. We compare indicative terms side by side, including rate, fees, retained interest and exit fees, so you see the full cost. We then manage valuations and legal work through to completion and, where needed, line up the refinance at the same time.

  • One senior adviser from first call to completion
  • A credit paper lenders take seriously
  • Indicative terms compared side by side
  • £0 upfront fee
Related facilities

Related facilities we arrange

Commercial mortgages and property financeLong-term refinance from a bridgePortfolio landlord financeFinance across multiple propertiesDevelopment financeFunding for ground-up and conversion schemesDebt advisoryFor larger or more complex refinancingBridging loans guideA fuller explainer on costs and exits
FAQs

Bridging loans: common questions

How quickly can a bridging loan complete?

Timing depends on the valuation, legal work and the complexity of the security. Straightforward cases move faster than those with multiple properties or titles.

How much can I borrow on a bridging loan?

Up to 100% LTV is possible where additional security is provided. Without additional security, the lender will set a lower maximum based on the property and the exit.

How much does bridging finance cost?

Rates start from 0.69% a month and are priced deal by deal. There are usually arrangement, valuation and legal fees, and sometimes an exit fee, so we compare the total cost rather than the headline rate.

Do I make monthly payments?

Usually not. Interest is commonly rolled up or retained and repaid with the loan at the end of the term, although serviced options exist.

What counts as a good exit?

A sale of the property or a refinance onto a longer-term loan, supported by evidence such as valuations, agent advice or a lender's agreement in principle.

Is GBF a lender?

No. Growth Business Finance is a commercial finance broker and debt adviser. Finance is subject to status and lender approval.

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