Bridging Finance

What is Bridging Finance?

In the fast-paced and highly competitive property market, time is of the essence, and the ability to seize opportunities promptly can make all the difference. That's where our short-term financing solutions come into play. We understand the urgency and dynamics of the real estate industry, and we're committed to providing our clients with the financial resources they need to act swiftly and decisively when it matters most.

When should you use Bridging Finance?

Bridging finance serves as a versatile financial tool that can be particularly well-suited for a range of situations where traditional financing options might fall short.

Auction Purchases

Bridging finance is a lifeline for those engaging in property auctions, where the timelines are tight, and standard mortgage approvals can be too sluggish. When you've identified a promising property at an auction but lack the luxury of time to secure conventional financing, bridging finance can provide you with the necessary funds swiftly. Additionally, some auction properties may not meet the criteria for a standard mortgage due to their condition, making bridging finance a vital alternative.

Property Renovation

Opportunities often arise with property in need of significant renovation or refurbishment. Traditional mortgage lenders may be hesitant to finance such projects, but bridging finance is structured to provide the capital required to carry out these improvements, allowing investors to purchase a property, conduct necessary renovations, and then refinance with a traditional mortgage once the property is in a more desirable state.

Urgent Business Rescue

Businesses sometimes face critical financial situations that require immediate intervention to avoid insolvency or to rescue a chain of operations. In such cases, time is of the essence, and securing alternate financing through regular channels can be too slow. Bridging finance can be the solution that provides the necessary capital quickly, allowing a struggling business to address its urgent financial needs and regain stability.

Time-Critical Transactions

Bridging finance is an adaptable option for any situation where time is a critical factor. Whether you're a property developer seeking to secure a prime piece of land before competitors, an individual buyer looking to finalise a property purchase swiftly, or a business looking to capitalise on an immediate opportunity, bridging finance offers the speed and flexibility needed to make timely transactions happen.

Bridging Finance provides the capital required to seize opportunities, overcome obstacles, and navigate the complex landscape of property purchases, renovations, business rescues, and more.

Our short-term financing solutions are tailored to empower our clients with the financial agility they need to capitalise on opportunities and make strategic moves that align with their real estate goals. We're here to support you in navigating the ever-changing real estate landscape, ensuring that you are well-positioned to make the most of your investments.

  • Typically, the process can be completed in 2-3 weeks, provided you work with a proficient lender, surveyor, and solicitors.

  • The interest rate varies depending on numerous factors, so it's advisable to request a quote from your adviser once all the necessary information has been provided.

  • Typical expenses include a valuation fee, legal fees for both the lender's solicitor and your own, and the lender arrangement fee.

  • While most lenders do not impose exit fees, there may be exceptions. It is crucial to verify this information with your adviser or lender to ensure clarity.

Get in Touch

If you’d like to enquire about our services, request a consultation, or get in touch for any other reason, follow the link below.