What are Bridging Loans and How do They Work?

Short Term Finance

Bridging Loans are short term finance, typically borrowed between 3 months to 12 months.

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Bridge The Gap

Bridging loans are used to 'bridge the gap' between buying a property and selling another property or financing it with long term finance.

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How Much Can You Borrow?

You can borrow up to 80% LTV (Loan to Value) of the equity available in your property. You can borrow from £20,000 to £10m +

Interest Rates

Bridging loans have an interest rate from 0.3% to 1.5% per month. They are expensive compared to a residential mortgage, but this is due to them being short term and risky.

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Pros & Cons of Bridging Loans


1. Fast access to capital 2. Competitive market lowering interest rates 3. Flexible loans 4. Can be repaid early with no penalty


1. Expensive compared to a residential mortgage 2. Your home is at risk if you do'nt keep up repayments 3. Several other fees with the loan 4. Some of the loans are not regulated

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