Secured Property Loan

A bridging loan can be secured against your house (main residence) as long as there’s sufficient equity and a clear exit strategy (how you’ll repay it, typically by selling or refinancing).

You’d use a bridging loan if you need quick cash to buy a new house before your current property sells, fund renovations, complete a property chain, or buy at auction where traditional mortgages can’t move fast enough.

If your documents are ready you can be approved in as little as 4 hours. We can often release funds within 48 hours for urgent deals.

The loan-to-value (LTV) on residential properties will vary based on the security property offered. In some cases, higher LTVs are possible if you offer additional security.

Interest is typically charged monthly, not annually. You can pay it three ways:

• Rolled-up: Paid at the end of the term.
• Retained: Deducted upfront from the loan.
• Serviced: Paid monthly, like a standard mortgage.

The rate of your loan interest will vary depending on loan size, LTV, credit history, and property type. Please be sure to always review the terms carefully to ensure there are no hidden costs.

Yes. Many investors use bridging finance to buy, refurbish, and flip residential properties. Just make sure your exit strategy is airtight.