What is a Bridging Loan how are bridging loans calculated?

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Terms can be for 1 week to 2 years
Interest from 4% pm

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What are Bridging Loans?

What is Bridging Loan is a financial product that is offered by financial institutions both high street lenders although they are cautious about who they will offer this type of finance too so it is mostly existing customers who would qualify for bridging loans, however there are many more lenders in the market, the term Bridging basically means bridge a gap in a funding requirement, this could be because you want to buy a house and you do not have a mortgage in place, or because a buyer and seller chain has broken, because you want to release some equity from one or more of some property you already own.


A Bridging Loan is also a short-term loan that is taken out when you cannot get funds from another source and you need to get quick funding it is stop-gap until you either sell a property or get additional funding to clear the bridging loan, Bridging Finance is not a long-term funding solution like a mortgage secured against a property so you will need to plan ahead to determine how the loan will be paid back once the term is complete, only in very rare circumstance will a lender want the loan to go over more than 18 months so you will need to be sure that the property you are selling is realistically priced or you are guaranteed funding will be coming in from an alternative source, bridging loans used to be only available from High street banks, however, this is no longer the case and well over 80 lenders now compete in this marketplace offering loans. Bridging loans are basically an emergency measure to access cash quickly when other finance is not available to you and should only ever be used if you are certain that you can repay the loan when it finally matures.


Since the property crash of 2008 many more people are using this type of finance particularly as prior to this interest rates used to be significantly higher as more and more lenders now compete to offer their finance rates have dropped significantly and can be little more than a traditional mortgage when the loan is a low loan to value.


The thing to remember with bridging finance is that it should give you a positive outcome and achieve what you are looking to do with it this could be securing a property at an attractive price because you can move quickly or release cash from a property you own to deal with a short-term funding requirement. You should always check out the best rates and deals and can also use our calculator to see what your costs are likely to be over the term of your loan



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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