Understanding Short-Term Bridging Loans
Have you ever found your next home but couldn’t buy it because your current property hadn’t sold yet? Or spotted an incredible auction property …
How Do 100% Bridging Loans Work?
You might have heard about 100% bridging loans but aren’t sure how they work or where to find them. We’ll explain everything you need …
What Are Residential Bridging Loans?
Moving house rarely goes exactly to plan. Perhaps you’ve found your perfect home but haven’t sold your current property. Or maybe you’ve spotted an …
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Guide to Light and Heavy Refurbishment Bridging Loans
Whether you’re planning to refresh a dated buy-to-let or undertake major structural changes, getting the right funding can make or break a project. Refurbishment …
Regulated Bridging Loans Explained: Your Questions Answered
You’re about to buy your new home when your buyer pulls out at the last minute. The seller won’t wait, and you risk losing …
What Are Unregulated Bridging Loans and How Do They Work?
If you’re looking at buying investment properties or commercial buildings, an unregulated bridging loan could give you the speed and flexibility you need. These …
Can You Extend the Term of a Bridging Loan?
Property projects rarely run exactly to plan. Whether you’re renovating a house, managing a development, or waiting for a property sale, unexpected delays can …
Using Bridging Loans for Mixed-Use Property Purchases
Buying a mixed-use property presents unique opportunities for property investors and business owners. Properties combining commercial and residential elements can offer reduced risk and …
How Self-Employed Borrowers Can Access Bridging Finance
Getting quick property finance when you’re self-employed can feel like an uphill battle. Many high street lenders shy away from complex income structures or …
Do UK Bridging Loans Have Age Limits?
Getting property finance becomes more challenging as you get older. Lenders set age caps on mortgages, which can limit your options when you need …
Can Bridging Loans Be Used for Property Development?
Property development requires substantial funding and many developers and investors find themselves caught between the limitations of traditional mortgages and the strict criteria of …
What Checks Do Bridging Loan Companies Carry Out?
Getting a bridging loan might feel like stepping into unfamiliar territory. You might be wondering what checks lenders will make, what documents you’ll need, …
How Do Bridging Loans Compare To Mortgages?
The choice between a bridging loan and a mortgage isn’t always straightforward – each has its place in property finance. A bridging loan might …
Cross Charge Bridging Loans Explained
Owning multiple properties opens up interesting borrowing possibilities, yet many property owners don’t realise they can use their combined equity more effectively. If you’ve …
What Does Below Market Value Mean?
Spotting a property listed well under its expected price can set your pulse racing. Is it too good to be true? Not always. Below …
Do You Need a Property Valuation for a Bridging Loan?
If you’re considering a bridging loan for your property purchase or development project, you might be wondering about property valuations. Perhaps you need funds …
How to Finance an Auction Property
Buying property at auction offers exciting possibilities – from finding your next home at a great price to snapping up promising investment opportunities. But …
Can You Get a Loan to Pay an Inheritance Tax Bill?
With HMRC requiring the IHT payment within six months of the person’s death, many executors and beneficiaries find themselves in a tough spot – …
First-Time Buyer’s Guide to Bridging Finance
Buying your first property comes with plenty of challenges, but what happens when you need to buy one quickly? Perhaps you’ve found the perfect …
Understanding Personal Guarantees in Bridging Finance
Getting a bridging loan often means facing a request for a personal guarantee. While many property owners hesitate when asked to provide this extra …
Getting a Bridging Loan Through Your SPV
Special Purpose Vehicle (SPV) companies can access short term bridging loans, and they’re becoming an increasingly popular choice for property investors. Getting quick finance …
The Bridging Loan Application Process Explained
Getting a bridging loan can seem daunting at first. But you know what? It’s much easier when you know what to expect. Whether you’re …
What is The Difference Between Open and Closed Bridging Loans?
When you need quick property finance, understanding your bridging loan options makes all the difference. At first glance, open and closed bridging loans might …
Why Buy-to-Let Landlords Use Bridging Finance
While bridging loans come with higher costs than traditional buy-to-let mortgages, they’ve become an increasingly popular choice among experienced property investors. These short-term financing …
Can You Get a Bridging Loan With a CCJ?
If you have a CCJ you’ll be pleased to know that bridging loans are still a viable option for property purchases or raising capital. …
First, Second & Specialist Charges in Bridging Finance
Property finance can be tricky but understanding how bridging loans are secured puts you in a better position when it comes to arranging finance. …
How Do Bridging Loan Interest Options Work?
Having the right interest payment structure for your bridging loan could save or cost you thousands of pounds. Before you make this important decision, …
Can a Bridging Loan Be Used for Renovations?
If you’ve got plans for a property renovation but don’t have the immediate funds, you might be wondering about your financing options. A popular …
5 Smart Ways to Use Second Charge Bridging Loans
As a property investor, you’ve probably used bridging loans quite a few times. But have you considered second charge bridging loans? These can be …
Can You Get a Bridging Loan Without a Job?
So you’ve been looking into bridging loans and wondering about income requirements? It’s a common question – do you need a job or steady …
Can You Have More Than One Bridging Loan?
If you’re familiar with bridging loans you may wonder if you can have more than one at the same time. The answer is yes, …
What is a Non-Status Bridging Loan?
If you are concerned about your credit status then you might want to consider a non-status bridging loan. This type of short term funding …
Why do people borrow against an investment portfolio?
Astute investors recognise that their investment portfolio isn’t just a collection of bonds, stocks and shares —it’s a powerful resource for accessing capital. Borrowing …
Can you take a loan out against your stock portfolio?
For high-net-worth individuals and sophisticated investors, your stock portfolio is more than just a collection of investments—it’s a powerful financial asset that can unlock …
Can You Get a Bridging Loan Without a Deposit?
Bridging loans provide quick financial solutions for property buyers and investors, offering short-term funding to cover gaps in property transactions. These loans typically require …
Do Property Developers Use Bridging Loans?
In property development, timing often determines a project’s success. With the market constantly shifting and opportunities arising unexpectedly, developers require flexible financing solutions that …
How to Pay Inheritance Tax Without Selling a Property
Many UK residents face the prospect of selling inherited property to settle inheritance tax bills. The good news? You have options. This guide walks …
Can you get a bridging loan while waiting for probate?
When someone passes away, managing their estate is often complex and time-consuming. In the UK, probate typically takes 9-12 months, during which time executors …
Do you have to pay inheritance tax before probate?
Handling a loved one’s estate involves complex processes, particularly regarding inheritance tax (IHT) and probate. Executors and beneficiaries often ask whether they must pay …
Can an Executor Pay Beneficiaries Before Probate is Granted?
As an executor, you’re entrusted with managing the estate of someone who has passed away, ensuring their final wishes are carried out correctly. But …
Exit Strategies for Property Developers
Property development is a complex venture where success hinges on careful planning, especially when it comes to repaying development finance. An exit strategy is …
How Does Property Development Finance Work?
The property market continues to offer exciting opportunities for developers, with demand for new homes and commercial spaces remaining strong. For many developers, however, …
Loan to Gross Development Value
In property development, understanding financial metrics is essential for success. Loan to Gross Development Value (LTGDV) is a calculation that helps developers, investors, and …
Financing Your Commercial to Residential Conversion
The UK property landscape is shifting. With office vacancies in major cities rising by up to 20% since 2020, astute investors and developers are …
Do high street banks still offer bridging loans?
Bridging loans have become an increasingly popular financial solution for those needing short-term funding, particularly in property transactions. However, many people wonder whether they …
Your Guide to Joint Bridging Loans
Whether you’re a couple buying an investment property, business partners securing commercial property, or a group of investors funding a development project, joint bridging …
The 6 month mortgage rule explained
Bridging loans are a vital financial resource for property buyers who need quick, short-term funding. These loans help secure properties rapidly, especially in competitive …
Can You Use a Bridging Loan to Buy a Business?
While bridging loans are often associated with property transactions, they’re increasingly being used as a flexible financing option for those looking to purchase a …
Unlocking Potential: 7 Types of Land You Can Finance with Bridging Loans
When you think of bridging loans, residential property purchases or renovations might spring to mind. However, these versatile financial tools can unlock opportunities across …
How Quickly Can You Get a Bridging Loan?
Bridging loans have become an increasingly popular financial solution for those needing quick access to funds, particularly in property transactions. One of the most …
Can you get a bridging loan with bad credit?
Are you considering a bridging loan but worried about your credit history? You’re not alone. Many people wonder, “Can you get a bridging loan …
Can You Pay a Bridging Loan Back Early?
Bridging loans are short-term financing options that help property buyers, investors, and businesses access funds quickly. They’re often used to buy property at auction, …
Do I Need a Solicitor for a Bridging Loan?
When considering a bridging loan you might wonder about the legal aspects involved. Bridging loans are short-term financing options, often used in time-sensitive situations, …
How long can you have a bridging loan for?
Bridging loans are short-term secured loans designed to provide quick and easy funding, typically for property transactions or business ventures. They offer a flexible …
Can You Pay Off a Bridging Loan with a Mortgage?
Bridging loans have become an increasingly popular financing solution in recent years, providing property buyers and investors with quick access to funds to seize …
Bridging Loans for Pensioners and Retirees
Are you a homeowner approaching retirement age, but need quick access to funds for a new property purchase, home renovations, care fees, or other …
Can You Get a Bridging Loan Without a Mortgage?
Bridging loans are a type of short-term financing that are used to “bridge” a financial gap, often in the context of property transactions. These …
How Do You Pay Back a Short-Term Bridging Loan?
Bridging loans offer a quick and flexible solution when you need money fast. These short-term loans, typically lasting from 3-24 months, provide a financial …
Do You Need a Deposit for a Bridging Loan?
Bridging loans are incredibly flexible and can offer a cash lifeline, quickly covering financial gaps that traditional mortgages can’t. A recurring question we get …
How a chain break bridging loan could help you to move house
The joy of finding your perfect home can quickly turn to disappointment if the chain of buyers and sellers breaks down. This can lead …
Are bridging loans regulated by the FCA?
Bridging loans have gained significant traction in the UK property market, providing a quick funding solution for a huge range of situations. But what …
Bridging loan exit strategies
Bridging loans offer a vital lifeline, providing swift access to funds when time is of the essence. These short-term loans bridge a cash-flow gap, …
What can a bridging loan be used for?
Property purchases and business opportunities often require quick access to borrowing. Missing out on these due to financing delays can be frustrating and costly, …
