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Getting a bridging loan with a mortgage?

There may be occasions during a house purchasing project when you need access to money quickly this could be to buy a property. In these situations, bridging loans prove to be a crucial financial tool - even if you already have a mortgage, you can still get a bridging loan there are two options in this scenario as bridging loans can be on either a first or second charge basis with a 2nd charge bridging loan your existing mortgage stays in place and a second charge is placed behind the first charge this secures the loan for the lender however as a second charge loan the lender has less security than if they had the first charge as such these are usually more expensive and they also will not go quite as high on the loan to value ratio so you can access less money from them. The other option is to pay off the existing mortgage with Bridging finance and then put the bridging loan on a first charge basis meaning a cheaper interest rate and higher loan to value is available, whichever options are right for you really depends on your circumstances and what you are looking to achieve.


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The uncertainty in the UK property market has seen an increase in the number of sales falling through. This can pose several problems for people buying their dream house; a chain may collapse or the bank may refuse to offer you a mortgage.


If you have your heart set on a new home, a bridging loan would mean you can buy the property before it gets snapped up by somebody else. Furthermore, you would not have to forfeit the money you have already spent in the purchasing process so a bridging loan is put in place until you replace it with a mortgage and pay it off with the mortgage proceeds.


However, bridging loans are short-term contracts which are only offered if you have sufficient assets to use as security. You must also be able to show the lender that the capital to repay the loan will be available before the exit date. Bridging loans are easy to apply for and you can have a decision in a matter of hours rather than with a mortgage lender which in some cases can take weeks.



UK Bridging Loans are one of the UK’S leading bridging loan brokers and can search all of the loans on the market to source the perfect deal for your circumstances.


Contact us now to discuss your proposal and we can assure you of the very best advice and service, call us now 0800 138 6001 or use the contact form on this page to compare loans.


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Julie Livingstone

Gary James

"would recommend  five stars Zara pushed to get the loan over the line 100%  very  experienced and  worked  with me all the way to get completion

"Zara arranged my Bridging Loan with the minimum amount of fuss and was always their to take my call great service  from start to finish"

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Can I Get A Bridging Loan If I Already Have a Mortgage? How do bridging loans work with an existing mortgage in place? do I use the finance to pay off my mortgage?