Fast bridging finance when timing matters.
Auction deadlines. Chain breaks. Refurbishment projects. When you need finance that moves as fast as the deal, we arrange regulated and unregulated bridging loans across London and Essex — typically completing within 5 to 28 days.
Bridging finance scenarios we deal with every week
Jagpal advises on and arranges bridging loans directly. Here are the main scenarios we handle across London and Essex.
When you buy at auction you typically have 28 days to complete. Standard mortgage lenders cannot move that fast. We arrange auction bridging loans, complete within the deadline, then advise on the long-term mortgage to replace the bridge once you own the property.
If your buyer has pulled out but you want to buy your next home before your current property sells, a chain break bridge gives you the funds immediately. You secure the bridge against your current home, complete the purchase, move in, then repay when your existing home sells.
Standard lenders will not lend on properties in poor condition. Refurbishment bridging allows you to purchase and renovate a property, then refinance onto a standard BTL or residential mortgage once works are complete.
A let to buy bridge allows you to raise funds against your existing home to purchase a new property while arranging to let the original. We also arrange second charge bridging loans which can raise additional funds quickly without disturbing an existing first charge mortgage.
How bridging loans work — and when to use one
A bridging loan is a short-term secured loan — typically from 1 to 24 months — designed to bridge a financial gap when speed matters or a standard mortgage is not possible.
Bridging loans are more expensive than standard mortgages — rates are charged monthly rather than annually. However, when the alternative is losing a deal or missing a deadline, the cost is often justified by the outcome.
- Rates typically from 0.5% per month (6% per annum equivalent)
- Arrangement fees typically 1–2% of the loan amount
- Interest can often be rolled up — no monthly payments during the term
- Exit strategy confirmed before funds are released
- First and second charge options available
- Regulated and unregulated bridging depending on the security and purpose
| Bridging Type | Typical Term | Speed | Exit Route |
|---|---|---|---|
| Auction finance | 3–12 months | 5–28 days | Remortgage |
| Chain break | 6–12 months | 2–4 weeks | Property sale |
| Refurbishment | 6–18 months | 2–4 weeks | BTL/resi mortgage |
| Let to buy | 6–12 months | 2–4 weeks | BTL mortgage |
Bridging loan key figures
Typical terms we arrange for clients across London and Essex.
How we arrange your bridging loan quickly and correctly
We review your requirement and identify the right lender immediately
Bridging is time-critical. We assess your situation on the call — loan amount, security, exit strategy, and timeline — and identify the most suitable lender immediately.
Decision in principle and detailed terms within 24–48 hours
We obtain a formal decision in principle and a detailed terms sheet within 24–48 hours so you know exactly what you are committing to before any cost is incurred.
We instruct a valuation and manage the surveyor to avoid delays
Most bridging lenders require a valuation of the security property. We instruct the valuer immediately and manage the process to ensure it is completed as quickly as possible.
We brief solicitors and keep everything moving to meet your deadline
We brief your solicitor on the lender’s requirements from day one and chase them daily if necessary to meet your target completion date.
Funds released — and we plan your exit strategy from day one
Once funds are released, we immediately begin planning your exit — whether that is a standard BTL mortgage, residential remortgage, or the sale of the property.
Bridging finance questions answered honestly
The fastest completions we arrange are typically 5–7 working days where the security is straightforward and all legal work can be expedited. For most bridging cases we target 14–28 days. The main variables are the valuation and the speed of solicitors on both sides.
Regulated bridging applies when the security property is your home or a property a family member lives in — these are regulated by the FCA and carry consumer protections. Unregulated bridging applies to investment properties, commercial property, and land. The vast majority of property investment bridging is unregulated.
Your exit strategy is how you will repay the bridging loan at the end of the term. Lenders will not release funds without a clear, credible exit. Common exits are the sale of the security property, a remortgage onto a standard product, or the proceeds of another property sale.
Not necessarily. Many bridging loans offer the option to roll up interest — meaning no monthly payments are made and the accumulated interest is added to the loan balance and repaid at the end of the term. This is particularly useful where the property is vacant or being refurbished.
Need bridging finance fast?
Free, same-day response. Tell us your requirement and we will identify the right lender and indicative terms immediately.
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