0333 200 7209 ... the best choice of bridging loans from the experts

Funding uses

Fast & flexible funding solutions for all ...

Helping clients raise short-term finance quickly for a variety of uses

While speed and cost are critical to our clients, so too is flexibility. We therefore ensure an optimum mix of speed, cost, & flexibility is available to all clients on every occasion. Our criteria is not restricted, and will cover most requirements. Bridging finance is available in a range of uses, including ...

Bridging loan uses

While the most common use of bridging loans is for purchasing a property prior to the sale of another property, or avoiding chain breaks, they can be used for a great many other purposes including but not restricted to:

  • Avoiding chains breaking
  • Re-bridge / Refinance
  • Purchase before sale
  • Property Development
  • Property refurbishments / renovations
  • Conversions & extensions
  • Buy-to-Let properties
  • Auction purchases
  • Land acquisitions
  • Purchasing below market value
  • Heavy Refurbishments
  • Inheritance, tax & probate
  • Buying unmortgagable properties
  • Capital raising / cash flow
  • Avoiding repossessions
  • Inheritance tax & probate issues
  • HMRC tax Payments
  • All circumstances will be considered

We have a wide reach within the funding industry with a strong level of in-house expertise. This ensures that our lending solutions are individually tailored to suit each client’s specific requirements. Funding is available to individuals, companies, SPV’s, and foreign nationals, and can be used for a variety of purposes. Whatever the circumstances, we will have a solution to match.

Security property types

Lending available on many types of property, residential, commercial, and semi-commercial, including properties that are not suitable to other lenders. Finance can be secured on a wide range of property types including the following:

  • Residential properties
  • Commercial properties
  • Buy to let properties
  • Residential care homes
  • Non-standard construction
  • Office buildings
  • Retail premises
  • Light industrial units
  • Hotels/bed & breakfast
  • Working farms / Farmhouses
  • Leisure premises
  • Nursing homes
  • Restaurants
  • Land with planning
  • High-rise apartment blocks
  • Licensed premises
  • Educational facilities
  • Other property types considered

Overall, bridging loans can be a useful tool for borrowers who need quick access to funds or who require flexible financing options. However, they are typically more expensive than traditional loans, so borrowers should carefully consider the costs and risks associated with a bridging loan before deciding to proceed.

Is a bridging loan right for me?

Deciding whether a bridging loan is right for you depends on your specific financial circumstances and needs. A bridging loan is a short-term financing option generally designed to "bridge" the gap between the purchase of a new property and the sale of an existing one. However it can be used for a number of other purposes such as refurbishments or building works etc. Here are some factors to consider when evaluating whether a bridging loan is suitable for you:

  • Timing: If you are in a situation where you have found your dream home but haven't sold your current property, a bridging loan can provide temporary funds to complete the purchase. It allows you to avoid missing out on the new property while waiting for your existing property to sell.
  • Financial situation: Bridging loans can be an expensive form of finance, with higher interest rates and fees compared to traditional mortgages. Therefore, you should carefully assess your financial capability to service the loan during the bridging period. Consider your income, expenses, and potential risks if your property doesn't sell as quickly as anticipated.
  • Repayment strategy: It's crucial to have a clear plan for repaying the bridging loan. Typically, the loan is settled when your existing property sells. Ensure you have a realistic expectation of how long it might take to sell and whether you have alternative sources of funds if the sale process takes longer than expected.
  • Exit options: Explore different exit options in case you encounter difficulties with the sale of your existing property. For example, some bridging loans can be converted into longer-term mortgages if needed. Having backup plans can help mitigate potential risks.
  • Professional advice: Consider seeking advice from a financial advisor or mortgage broker experienced in bridging loans. They can assess your situation and guide you on the best course of action, taking into account your financial goals and circumstances.

Remember, a bridging loan is a short-term solution, and its suitability depends on your individual circumstances. It's essential to carefully evaluate the costs, risks, and potential benefits before making a decision.

Advantages & disadvantages of a bridging loan

Like any financial product, bridging loans have their advantages and disadvantages. Here are some pros and cons of taking out a bridging loan ...

What are the advantages & disadvantages of a bridging loan? ...

Here are some advantages of a bridging loan ...

  • Quick access to funds: Bridging loans are often used in situations where time is of the essence. They can be approved and funded quickly, providing borrowers with the funds they need to complete their transaction.
  • Flexible repayment terms: Bridging loans typically have flexible repayment terms, allowing borrowers to repay the loan over a period that suits their needs.
  • No monthly repayments: Unlike traditional loans, bridging loans do not require monthly repayments. Instead, borrowers repay the loan in full at the end of the loan term.
  • Can be used for a variety of purposes: Bridging loans can be used for a variety of purposes, including property purchases, property development, and business acquisitions.
  • No early repayment penalties: Bridging loans do not typically have early repayment penalties, allowing borrowers to repay the loan early without incurring additional costs.
  • Can help secure a property: Bridging loans can be used to secure a property while waiting for other financing to come through. This can be particularly useful in a competitive property market, where quick action is necessary to secure a property.
  • Credit history not always a barrier: Lenders are often more concerned with the value of the property used as collateral than your credit history, making it easier for some borrowers to qualify.
  • Short-term solution: Bridging loans are designed for short-term use, so you're not locked into a long-term commitment.

Here are some disadvantages of a bridging loan ...

  • High-Interest Rates: Bridging loans often come with higher interest rates compared to traditional mortgages or loans. This can make them expensive if you keep the loan for an extended period.
  • Fees: There are typically various fees associated with bridging loans, including arrangement fees, exit fees, and valuation fees, which can add to the overall cost.
  • Risk of Losing Collateral: If you're unable to repay the loan on time, you risk losing the property you've used as collateral.
  • Short-Term Solution: While the short-term nature of bridging loans can be a pro, it can also be a con. If you're unable to secure long-term financing or sell your property quickly, you may find yourself in a challenging financial situation.
  • Regulation: Bridging loans are less regulated than traditional mortgages, which can lead to potential risks and complications if you're not well-informed or working with reputable lenders.
  • Exit Strategy: Lenders will want to see a clear exit strategy, meaning a plan for how you'll repay the loan at the end of the term. If your exit strategy doesn't pan out as expected, it can lead to financial difficulties.

Overall, bridging loans can be a useful tool for borrowers who need quick access to funds or who require flexible financing options.

However, they are typically more expensive than traditional loans, so borrowers should carefully consider the costs and risks associated with a bridging loan before deciding to proceed.

Quick Quote

(Minimum: £25,000)
(Min: £25,000)
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  • No up-front fees
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Available up to ...

£ 50 m

All types of briging & development finance available from £50,000

Loan-to-value ...

80 %

100% LTV also available with additional security property

Rates from ...

0. 55 %

The very latest low bridging loan rates at  May 2024

Lowest bridging rates at May 2024

Trusted bridging solutions for all ...

✓  Independent ✓  Unbiased Independent & Unbiased ✓  FCA authorised ✓  CeMap qualified ✓  Latest products ✓  Competitive rates ✓  Whole of the UK

The experts, providing all types of Bridging loan ...

Providing all types of Bridging ...

All types of Bridging loan ...

   Chain-breaking / purchase before sale    Residential & commercial property    Refurbishments / conversions    Re-finance a bridging loan    Capital raising & cashflow    Inheritance, tax & probate    BTL Investment property    Development finance    All requirements considered ...

Excellent job, very efficient ...

5/5

“We would like to thank you for all your hard work. I realise we have been quite full on with the pressure of trying to redeem our mortgage within a week. We know that you have gone above and beyond your job role. I would like EQUITYONE to realise your worth. If I owned my own business I would definitely have you on my payroll. Excellent job, very efficient, working at pace to my requested dead line. This has been recognised and appreciated"

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That’s super helpful ...

5/5

“Thanks so much for the update. Really appreciate you keeping us informed, it makes a world of difference to me and my wife. It reinforces our confidence that everything is in hand for a quick completion on Friday. That's super helpful and really efficient, thanks again"

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Can’t thank you enough ...

5/5

“Thank you so much for all you have done to help us, you have no idea how grateful we are. You've helped us to not only purchase our forever home but to also provide a lovely family home for our children to grow up in. I can’t thank you enough. You are fabulous at what you do and your constant reassurance, help and guidance made the whole thing a lot less stressful. All the best, & thank you again”

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Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2024 Bridging rates available ...

Get your BEST RATE today ...

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Fast & flexible Bridging finance from the property experts ! ...

EquityOne Finance Limited is authorised & regulated by the Financial Conduct Authority FRN: 733649


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Our advisors are qualified with a Certificate in Mortgage Advice and Practice


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Representative example

For example: Based on an interest only regulated bridging loan of £100,000 for a maximum 12-month period on a fixed rate of 0.79% per month, payable at the end of the term. The total amount payable would be £111,902 made up of the loan amount plus interest of £9,902, and fees of £2,000. The overall cost for comparison is 11.9% APR representative. Please note that this example is for illustrative purposes only and the actual terms and conditions of a bridging loan may vary depending on the lender and the individual circumstances of the borrower. It's important to carefully review all terms and conditions before agreeing to a loan.

BOE Base Rate: 5.25%

We’ve teamed up with Aro Mortgages, one of the UK’s leading second-charge mortgage distributors, to help you find the financial solution that you’re looking for. Aro Mortgages believe that when it comes to your finances, you should be in control. That’s why they work closely with you to fully understand your needs, allowing them to accurately match you with credit options that are right for you and your finances. EquityOne Finance Ltd acts as a credit broker and earns a commission if you choose to take out a loan. A soft credit check will be done to provide your loan quote - this WILL NOT affect your credit rating. Your chosen lender may carry out a full credit check if you proceed to application.

Company name: Freedom Finance Mortgages Limited, trading as Aro Mortgages, is an appointed representative of Freedom Finance Limited Registered address: Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England & Wales 14203395 VAT registration number: 428 9790 42 FCA number: 979210

Representative example

14.26% APRC Representative (variable). Representative example, if you choose to add fees to the loan: assumed borrowing of £25,000 over 7 years, plus a broker fee of £2,850 and lender fee of £367.50 would result in monthly repayments of £509.96, the borrowing rate is 12.78%, the APRC is 14.26% (variable), total charge for credit would be £14,619.14 and the total amount payable would be £42,836.64. EquityOne Finance Ltd and Freedom Finance Limited are credit brokers and not lenders. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

BOE Base Rate: 5.25%