Bridge To Let

Bridge to let provides short-term funding to purchase a property quickly, followed by a straightforward transition onto a buy-to-let mortgage. It is often used by landlords buying at auction, investors carrying out refurbishments, or anyone who needs fast access to finance before moving to a long-term rental product.

As an independent broker, Avid Finance offers clear advice and access to multiple lenders. Our team helps you arrange bridge to let finance efficiently, giving you confidence from purchase through to refinancing.

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Designed for buy-to-let
Up to 80% LTV
Simpler process and lower costs
Rates from 0.45% per month
Pre-agreed terms for buy-to-let

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What is bridge to let?

Bridge to let is a specialist form of bridging loan designed for buy-to-let investors. It provides fast, flexible funding to secure a property, with the option to switch seamlessly to a buy-to-let mortgage once the property is ready for tenants or has been refurbished.

This type of finance is commonly used for auction purchases, renovation projects or to refinance short-term borrowing. Avid Finance connects you with lenders who offer bridge to let loans and ensures you have a clear route from acquisition to long-term letting.

Fast completion

Complete on your purchase with the speed of a bridge loan.

Simple process

Limit your loan to a single underwriting process.

Single set of legals

Lender will use the same solicitors across the facility.

Pre-approved exit strategy

Receive advance approval to exit onto a buy-to-let mortgage.

How bridge to let works

The process begins with an application outlining the property details, rental plans and proposed repayment strategy. Lenders assess the purchase price, the expected rental income and the loan-to-value ratio before issuing terms.

Once agreed, funds are released quickly to meet your purchase deadline. After any required works are completed, the facility transitions into a buy-to-let mortgage. Avid Finance manages this process for you, ensuring your application is structured clearly and presented to the most suitable lenders.

Rates from 0.45% per month

Up to 80% loan to value available

Fast, hassle-free completion

Pre-approved exit strategy

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Key facts

Loan Amount	£50,000 to £50 million
Loan Term	Loan terms from 1 to 24 months
Loan-to-Value (LTV)	Up to 100% with additional security
Refurbishment Works	Up to 100% of refurbishment works funded
Interest Options	Serviced, retained or rolled up
Security	First and second charge
Rates	From 0.45% per month
Timeframe	Fast bridge loans from 24 hours
Region	England, Wales, Scotland and Northern Ireland
Asset Types	Residential and commercial property

Client reviews

Henrik, Birmingham

The team at Avid Finance were able to arrange a bridge loan on a semi-commercial property within a week. Best service bar none.

Ross, Wandsworth

Avid Finance provided an exceptional personal service… the only firm I spoke to that I felt truly had my needs at the heart of the discussion.

Mandeep, Southall

I would strongly recommend Avid Finance for corporate/commercial deals. They have variety of products depending on our need and urgency.

Bridge-to-let explained

What can bridge to let finance be used for?2025-09-25T09:57:01+00:00

What can bridge to let finance be used for?

It is commonly used to buy properties at auction, fund refurbishments, or refinance short-term borrowing before moving onto a buy-to-let mortgage.

How does a bridge to let loan differ from standard bridging?2025-09-25T09:57:08+00:00

How does a bridge to let loan differ from standard bridging?

A bridge to let facility is designed with a clear exit into a buy-to-let mortgage, whereas a standard bridging loan may be repaid through a sale or refinance without that built-in transition.

How quickly can it be arranged?2025-09-25T09:57:15+00:00

How quickly can it be arranged?

Funds can often be released within days, making it a popular option for investors who need to meet tight deadlines. Working with a broker helps streamline the process.

What are the main advantages?2025-09-25T09:57:19+00:00

What are the main advantages?

This finance provides fast access to capital, flexibility during refurbishments, and certainty of long-term funding once the property is ready to let.

Do I need tenants in place before refinancing?2025-09-25T09:57:27+00:00

Do I need tenants in place before refinancing?

Not always. Lenders usually want evidence of expected rental income, and in many cases a property can be refinanced once works are complete and a valuation has been carried out.

What deposit is usually required?2025-09-25T09:57:32+00:00

What deposit is usually required?

The deposit depends on the lender’s loan-to-value limits, but investors typically need to contribute at least 25–30% of the purchase price.

Can I repay early if the buy-to-let mortgage is ready sooner?2025-09-25T09:57:39+00:00

Can I repay early if the buy-to-let mortgage is ready sooner?

Yes. Many lenders allow early repayment or transition to the buy-to-let product as soon as conditions are met, although some may set a minimum interest period.

Is this suitable for first-time landlords?2025-09-25T09:57:46+00:00

Is this suitable for first-time landlords?

Some lenders will consider applicants with no prior letting experience, though a proven track record can strengthen the case. A broker can help identify the most suitable options.

What costs are involved?2025-09-25T09:57:51+00:00

What costs are involved?

Alongside monthly interest, borrowers should allow for arrangement fees, valuation fees and legal costs. A broker will outline the expected charges at the outset.

Can this finance be used for HMOs or multi-unit properties?2025-09-25T09:57:57+00:00

Can this finance be used for HMOs or multi-unit properties?

Yes. Certain lenders will consider these property types, though criteria can differ. Specialist advice helps ensure the funding is structured correctly.

Speak to a bridge to let specialist

Whether you are buying at auction, carrying out a refurbishment or refinancing, our team can help. Avid Finance provides clear, independent advice and access to lenders who offer flexible bridge to let finance.

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