Bridging Loans2025-09-25T15:24:26+00:00

Bridging Loans

Bridging loans provide fast, flexible finance to help you complete property transactions when timing is critical. They are often used for chain breaks, auction purchases or short-term funding while longer-term finance is arranged. As an independent broker, Avid Finance searches the market to find terms suited to your needs.

Our team offers clear guidance and transparent advice from start to finish. With access to a wide panel of lenders and experience in complex cases, Avid Finance helps you secure bridging finance quickly and with confidence.

  • Loans from £50k to £50m

  • Lowest bridging rates from 0.45%

  • Up to 100% LTV

  • Flexible on credit status

  • Same day lending decisions

Octopus Real Estate
Colenko
Redwood Bank
Precise Mortgages
MT Finance
Pivot
HTB
Avamore Capital
Allica Bank
HSBC
Nationwide Building Society
Ortus Secured Finance
Bridging loans

What is a bridging loan?

A bridging loan is a short-term, property-backed facility designed to “bridge the gap” until longer-term funding is in place. Unlike a standard mortgage, bridging finance is arranged for months rather than years, with repayment typically made in full through a refinance or sale.

These loans are commonly used to buy property at auction, cover chain breaks or release capital tied up in assets. They are valued for their speed and flexibility, making them an important tool for homeowners, landlords and investors. Avid Finance matches your requirements with lenders across the market and explains the costs and bridging loan rates available.

Residential bridging loans

Navigate moving home, breaking a chain or investing in residential property with residential bridging finance.

Commercial bridging loans

We can help purchase or refinance commercial property with a fast commercial bridging loan.

Auction finance

Bid on auction properties with certainty of funding up to 75% LTV.

Bridge to let

Bridge the gap between purchasing a property and securing a long-term buy-to-let mortgage.

How bridging loans work

The process starts with an enquiry outlining the property, loan purpose and repayment plan. Lenders review the value of the security, the loan-to-value ratio and your proposed exit strategy before issuing terms. A valuation is arranged, and legal checks are completed to move the application forward.

Once terms are agreed, funds can be released very quickly — sometimes in as little as 48 hours. The loan runs for a fixed short term, with interest charged monthly, and repayment is made when the property is refinanced or sold. Avid Finance manages the process for you, ensuring your application is presented clearly to the right lenders.

Bridging loan specialists

Easy application process

Instant decision in principle

Flexible on income and credit status

Enquire now

Key facts

Loan Amount £50,000 to £50 million
Loan Term Loan terms from 1-24 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.

Bridging loans explained

What can bridging loans be used for?2025-09-25T09:23:11+00:00

They are commonly used for property purchases, auction buys, chain breaks, refurbishments or releasing capital from existing assets.

How quickly can I access the funds?2025-09-25T09:23:30+00:00

Fast bridging loans can be arranged in as little as 48 hours once terms are agreed and the necessary checks are complete. Using a broker helps streamline the process and reduce delays.

How long does bridging finance last?2025-09-25T09:23:40+00:00

These facilities are short-term by design, usually ranging from a few months up to around 18 months depending on the lender and purpose.

What are typical interest rates?2025-09-25T09:24:03+00:00

Rates vary depending on the loan-to-value (LTV), property type and borrower profile. A broker can compare options across lenders and explain the total cost of borrowing.

Do I need an exit strategy?2025-09-25T09:24:14+00:00

Yes. Lenders require a clear plan for repayment, usually via refinance or sale of the property. A well-defined exit increases the chance of approval.

What security is required?2025-09-25T09:24:30+00:00

Loans are normally secured against residential, commercial or mixed-use property. The loan-to-value ratio and the quality of the security influence the terms.

Can I repay early?2025-09-25T09:24:39+00:00

Many lenders allow early repayment, though some may charge an exit fee or require a minimum interest period. Always check the terms before committing.

Are bridging loans available with bad credit?2025-09-25T09:24:52+00:00

Some lenders will consider applications from borrowers with imperfect credit, particularly if there is strong security and a viable repayment plan.

How much can I borrow?2025-09-25T09:25:09+00:00

The amount depends on the property value and loan-to-value ratio. Typically, lenders will fund up to 75% of the property’s value, but this varies.

What fees should I expect?2025-09-25T09:25:19+00:00

In addition to interest, there may be arrangement fees, valuation costs and legal fees. A broker will set out the expected charges in advance.

Speak to a bridging loan specialist

From fast auction purchases to short-term refinancing, our team can help. Avid Finance provides clear, independent advice and connects you with lenders offering flexible bridging finance solutions.

Avid Finance Ltd (FCA 911867) is an Appointed Representative of Connect IFA Limited (FCA 441505) which is authorised and regulated by the Financial Conduct Authority. The FCA do not regulate some forms of Business Buy to Let mortgages or Commercial Mortgages to Limited Companies.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers based in the UK. Avid Finance Ltd is Registered in England and Wales No. 12080480. Registered Office: 1 Lyric Square, London W6 0NB. ICO Number ZA532645.

Fees: We normally charge a fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. Foreign currency mortgages: Changes in the exchange rate may increase the sterling equivalent of your debt.

Warning: your property may be repossessed if you do not keep up repayments on your mortgage.

How to make a complaint: It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.

Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

Privacy Policy | Modern Slavery Policy

© Avid Finance Ltd. 2025. All Rights Reserved

Registered in England & Wales. Company registration number 12080480

Registered Address: 1 Lyric Square, London, W6 0NB