Bridging Loans Made Simple

Secure a property purchase with our fast, flexible bridging finance solutions. From auction purchases to chain breaks, we can provide terms tailored to your needs and complete in just days!
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1-12 Month Terms
Flexible Terms
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Instant indication • No obligation • FCA regulated * See below for a representative example

What is a Bridging Loan?

A bridging loan is a short-term loan secured against an existing property or asset, allowing you to access funds quickly whilst you are waiting on cash elsewhere. Typically bridging loans last between 1-12 months and are used to bridge a finance gap until a longer-term solution can be arranged.

Interest builds up each month (sometimes called “rolled” or “retained”), and the total loan is repaid once funds are available through a property sale or refinancing.

Why choose a Bridging Loan?

There are a whole host of situations where a bridging loan could help you. Whether you are a homeowner or a business owner, bridging can be used to support borrowing for almost any purpose.
Bridging. Development Loan | Bridging Finance

Property Purchase/Investment

Useful for auction purchases or competitive markets where completion is required within 14-28 days. Bridging finance can be arranged quickly, helping you to meet tight deadlines while giving you time to put a longer-term solution in place.
Chain Break

Chain Break

Ideal if you have found your next home, but your current property hasn’t yet sold. A bridging loan allows you to release equity in your existing property, giving you fast access to funds so you can move forward without delays.
Residential Cottage | Residential Mortgages

Property Refurbishment

Great for funding renovations or improvements where a property isn’t yet mortgageable. Having fast access to funds will allow you to complete works so the property can be re-financed or sold.
Commercial vs Residential

Re-bridging

Suitable when your existing bridging loan is coming to an end, and more time is needed. Re-bridging can provide you with continued short-term funding, helping to avoid pressure while you finalise your exit strategy.
Any Legal Purpose

Any Legal Purpose

If you require funding when time is of the essence, a bridging loan could be a great option. Bridging can be used for any legal purpose, from property related costs to business or personal needs.
Simple Cash Flow

Simple Cash Flow

Useful for short-term cash flow needs if your funds are tied up elsewhere. Bridge financing can quickly release capital, helping you manage expenses, or seize time sensitive opportunities.

Why choose us for your Bridging Loan?

Quick Completions

Fast approval processes and quick decisions, great when time is of the essence.

Flexible Terms

Tailored solutions for your needs. Non-regulated terms up to 36 months, with options for interest roll-up or monthly payments.

Dedicated Case Manager

You will have a dedicated case manager supporting you every step of the way.

Beat the Quote

We will beat any non-regulated bridging quote on a like-for-like basis.

Things to Consider

There are several elements you should consider when taking out a bridging loan.

Higher Costs

Interest rates and fees are typically higher than traditional mortgages. We will work tirelessly to keep costs as low as possible, including monthly repayments.

Exit Strategy

You must have a clear exit plan in place before taking out a bridge loan. Examples of exit strategies include sale of the property, remortgaging, releasing equity from another property, or the sale of another asset.

Security

Bridging loans are secured against a property, meaning the lender has the right to take legal action if the loan isn’t repaid as agreed.

Enquire Online Call our team now on 01827 338803

The Bridging Loan Process

Step 1

Fill out our quote form or call us on 01827 338803 to start the process.

Step 2

Give us the details, such as loan size required, loan purpose, exit plan and existing equity.

Step 3

We will scan our extensive lender panel and provide you with options tailored to your needs.

Step 4

Your dedicated case manager handles everything through to completion.

Who We Work With

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Frequently Asked Questions

Bridging loans are a useful short-term solution for a property purchase/renovation, chain break or cash flow needs. You must have a clear exit strategy in place when applying for a bridge such as sale of the property, or remortgaging. If there is another finance option that suits your circumstances such as a buy-to-let or residential mortgage, we will inform you at the start of your application process.

Yes. Bridging loans are a short-term solution and can be costly if extended. The main risks associated with a bridge are delays in your exit strategy, or changes in property value. Planning ahead will help you to minimise risk.

At Crystal Property Finance, we can source bridging finance for almost any property type, from residential to commercial, land and development.

Bridging loans typically have higher interest rates and fees than standard mortgages. Costs can be managed with a clear repayment plan, and by keeping the loan term as short as possible.

Due to our strong lender relationships and dedicated on-hand team, we can complete a bridging loan in just a few days, depending on the complexity of your case.

Regulated Bridging – Suitable for personal use on your main home. It is protected by the Financial Conduct Authority (FCA), offering you extra consumer safeguards. Unregulated Bridging – For investment, business or mixed-purpose properties. It is more flexible but doesn’t have the same protections as regulated loans.

Want to find out more?

Get the ball rolling on your finance journey or learn more about how we can help.

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What Our Customers Say

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Representative Example: If you borrow £264,000, plus £21,684.74 retained interest over 12 months on an interest only basis, making a total amount of credit of £285,684.74. On a fixed rate of interest for 12 months at 0.66% per month, you would make 12 repayments of £1,807.06. The total amount repayable is £292,641.74 (including a Lender fee of £5,280, Assessment fee of £145, TT fee of £25, Redemption fee of £40, Legal fee of £1,467). The overall cost for comparison is 11.1% APRC representative.

 

The actual rate available will depend upon your circumstances. Ask for a personal illustration.