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Bridging Loans

A Bridging Loan is a short -term loan and best described as a temporary loan which gets you from A to B, until you can either repay the loan in full or secure a more permanent form of finance.

Whilst conventional loans, and bridging loans can both be used for the purchase of a property, they have different requirements and processes and in reality the speed of getting cash in your account is the main difference between the two.

Traditional loans have a long-term repayment span of 15 to 30 years and all too often have a low-interest rate due to the longer repayment period.

Bridge loans, on the other hand can be processed much faster and have a higher interest rate because of the shorter term of between 6 to 12 months.

Apply for a Bridging Loan today

  • Need a quick decision on a bridging finance loan?
  • Looking for a bridging finance loan of between £10K and £10Million?
  • Want to be sure you are getting some of the most competitive rates in the UK?
  • We arrange bridging loans for all purposes.
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Benefits Of Speaking To An Advisor

Whole of Market Access

There are many different types of mortgages available, so only looking at deals from one lender means you’re unlikely to end up with the best option. Our mortgage advisors have access to the whole of the market, including products not available from high street lenders.

We Are On Your Side

We work for you not the lender and will act solely in your best interests. You can therefore be confident that the mortgage we recommend will be the best available product to suit your circumstances.

We Do The Hard Work For You

At Your Mortgage Options we leave no stone unturned in our whole of market research. We also handle the whole process end to end, including all the paperwork, solicitors and conveyancing.

We Consider Your Circumstances

We take the time to understand your individual circumstances. This helps us to find the right mortgage that works for you and your family. We will assess all that you can realistically afford and guide you through Your Mortgage Options.

Bridging Loan Finance FAQs

The amount you can borrow depends on your personal situation, your household income and current credit commitments. All lenders have different ways of calculating what someone can borrow.

You will need a minimum of 5% deposit. The more deposit you put in, the better the interest rate will be. E.g. If you have a 20% deposit then this will get you a better rate of interest than with a deposit of 10%

A bridging loan has a relatively high rate of interest and is a large loan over a short term, ideal for securing a property. Whereas a mortgage is a low interest form of financing a home taken over a time frame of up to 30 years, so perfect for the long term.

Involving a mortgage advisor earlier on in the application process gives us more opportunity to help you and reduces the stress and disappointment of not being able to secure a mortgage that suits your needs.

Bridging Loan Finance Advice - Enquire Online