Residential Bridging Loans

Whether you're breaking a property chain, purchasing at auction, funding a refurbishment, or acquiring a buy-to-let, a residential bridging loan gives you the speed and flexibility that traditional mortgage lenders simply cannot match. We lend against houses, flats, maisonettes, HMOs, holiday lets, and most other residential property types across England and Wales.

Our residential bridging loans are available on both first and second charge basis, with loan-to-value ratios of up to 70%. We work with self-employed borrowers, retirees, and those with adverse credit history — focusing on the property, the exit strategy, and the deal itself rather than rigid income criteria.

Key Features

• Completion in as little as 7 days
• Decisions within 24 hours
• Up to 70% LTV on residential property
• Rates from 0.89% per month
• First and second charges available
• No exit fees on residential loans
• Self-employed and retired borrowers welcome
• Poor credit history considered
• Maximum borrower age of 85

Who Is This For?

Residential bridging loans suit a wide range of borrowers. You might be a property investor acquiring a BTL that needs light refurbishment before it can be mortgaged, a homeowner who has found the perfect house but hasn't yet sold your current one, or a developer picking up an undervalued property that needs work before refinancing. We also help landlords expanding their portfolios, buyers purchasing at auction within tight deadlines, and borrowers whose circumstances don't fit mainstream lending criteria.

Rates & Costs