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A bridging loan is a specialised form of short-term, interest-only finance, typically secured against property, used to cover a temporary financial shortfall. Unlike conventional mortgages or long-term commercial loans, bridging finance is distinguished by its exceptional speed of approval and funding, and its defined, short repayment period, which usually spans from just a few days up to a maximum of 24 months. The core principle is to provide a temporary financial bridge until a more permanent funding solution, or an asset sale, can be completed.
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Property Auction Purchases: UK property auctions demand immediate action. Successful bidders are typically required to exchange contracts and pay a 10% deposit on the day, with full completion often mandated within a strict 28-day timeframe.
A bridging loan can provide the necessary funds with unparalleled speed, allowing you to secure the property before arranging long-term finance (such as a buy-to-let mortgage) or selling another asset. This ensures you meet the auction’s stringent deadlines and avoid forfeiture of your deposit.
Property Chain Breaks: The UK property market is notorious for its complex property chains. If you’re in the process of buying a new home but the sale of your existing property falls through unexpectedly, or is significantly delayed, a bridging loan can provide the essential funds to complete your purchase. This prevents the entire property chain from collapsing, saving you from potential financial loss, stress, and the disappointment of losing your dream home. This specific application is often referred to as chain break finance.
Property Development & Refurbishment: Development finance bridging loans are commonly used by developers to acquire properties that are currently uninhabitable, require extensive renovation, or are undergoing significant development. The loan provides the initial capital for purchase and often for the first stages of refurbishment, with the expectation that the property will be sold upon completion or refinanced onto a long-term development exit loan or commercial mortgage. This allows developers to quickly secure undervalued assets and add value.
Commercial Property Acquisition: For businesses that need to quickly acquire new commercial premises, a warehouse, or a plot of land for expansion, a commercial bridging loan can offer immediate capital. This allows the business to complete the purchase swiftly, often before more permanent commercial finance (which can take months to arrange) is fully in place. It ensures business continuity and prevents missed opportunities.
Urgent Capital Needs: In certain circumstances, a short term bridging loan can provide crucial liquidity for urgent business needs, such as covering an unexpected tax bill, managing a temporary cash flow deficit until a large invoice is paid, or facilitating a quick business acquisition. While less common than property-related uses, their speed makes them viable for critical short-term financial injections.
Sale of the Property: The most common exit, where the property acquired with the bridging loan (or another asset owned by the borrower) is sold, and the proceeds are used to repay the loan.
Refinancing onto Long-Term Finance: This involves securing a more traditional, long-term financial product, such as a buy-to-let mortgage, a commercial mortgage, or a development exit loan, which then repays the bridging loan.
Receipt of Funds from Another Verifiable Source: This could include funds from a business sale, a large inheritance, or the release of equity from another asset.
Yes, a clear, credible, and robust exit strategy is absolutely essential and non-negotiable for any bridging loan. Lenders will not approve a loan without a well-defined plan for how you intend to repay the capital and all accrued interest at the end of the term. Common and accepted exit strategies in the UK include:
While a strong credit history is always beneficial and can lead to better rates, it is sometimes possible to secure a bridging loan with some adverse credit. However, you may find that you are offered higher interest rates or require a larger deposit. Transparency about your credit history from the outset is crucial to ensure you are matched with appropriate lenders.
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The rate you are offered will depend on your individual circumstances.
Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.
Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 10 years. The minimum loan amount is £250 and the maximum loan amount is £50000.
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