Bridging Finance

Days, not weeks
Speed of completion
1st & 2nd charge
Flexible security
Complex cases
Our speciality
What we arrange
✓Residential & commercial bridging
✓Auction & chain-break finance
✓Refurbishment & conversion bridging
✓Development exit finance
✓1st & 2nd charge lending
✓Regulated & unregulated bridging
Bridging is about speed and certainty. We arrange high-value, complex bridging at the best price, timeframe and terms, and plan the exit from the outset.

Bridging finance is a short-term secured loan used to ‘bridge’ a gap in funding, most commonly when speed of completion is critical and a conventional mortgage is not possible or practical. Soul Mortgages arranges bridging loans for property investors, developers, business owners, and private clients across the UK.

When Is Bridging Finance Used?

Bridging loans are typically used in situations such as:

  • Purchasing a property at auction where funds are required within 28 days
  • Buying a new property before an existing one has sold
  • Acquiring an unmortgageable property that needs refurbishment before refinancing
  • Funding a development project or land purchase
  • Breaking a property chain to avoid a sale falling through
  • Raising capital quickly against an existing property

How Bridging Finance Works

Bridging loans are secured against property and are typically arranged for terms of 1 to 24 months. They are structured as either:

  • Open bridges: No fixed repayment date, suitable where the exit route is less certain (e.g. property being sold but not yet under offer)
  • Closed bridges: A fixed repayment date aligned to a confirmed exit, such as a completion date on a sale

Interest is typically rolled up into the loan (no monthly payments) or retained from the facility, which means no monthly outgoings during the term. Loan-to-value ratios typically range from 65% to 75%, though higher leverage is possible in some cases.

Why Soul Mortgages for Bridging Finance?

We have significant experience arranging bridging finance for complex, high-value transactions where speed and certainty of delivery are paramount. We work with a wide panel of specialist bridging lenders to secure competitive rates and terms, and can often deliver indicative terms within 24 hours of enquiry.

Bridging finance is not regulated by the FCA in most circumstances.

Your property may be at risk if you do not meet the repayment terms of a bridging loan.

Discuss your bridging requirements with our team →

Your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.

Bridging Finance: Your Questions Answered

Straight answers on short-term property finance.

Some bridging loans are not regulated by the Financial Conduct Authority.

What is bridging finance used for?
Bridging finance is short-term lending used to bridge a gap: buying before a sale completes, auction purchases, refurbishment, or releasing funds quickly. It is secured on property and repaid from a defined exit such as a sale or refinance. It is faster but more expensive than a standard mortgage.
How quickly can bridging finance be arranged?
It can complete in a matter of days to a few weeks depending on the lender, the security and the legal work, which is why it suits time-critical purchases. Speed depends on a clear exit and prompt information. Some bridging loans are not regulated by the FCA.
How is a bridging loan repaid?
From a planned exit agreed at the outset, usually the sale of a property or refinancing onto a longer-term mortgage. Lenders want to see that exit is realistic before lending. If the exit fails the security is at risk, so the plan matters.
Related services
Development financeCommercial mortgagesProperty investor finance