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Short-term funding with a clear purpose
Bridging finance is a short-term loan used to buy property quickly, fund refurbishment or conversion, resolve complex situations, or bridge the gap before long-term finance is in place. The exit comes first, and we tell you straight whether the deal works.
What is bridging finance?
A fast, short-term loan secured against property, used when speed or a specific situation rules out a standard mortgage. It buys you time to complete, improve, or refinance.
Typical term
3 to 18 months
Interest
Rolled up or serviced
Deposit
25% to 30%+ typical
The key difference from a standard mortgage:
You must have a clear, validated exit strategy before you draw down. If the exit does not work, the deal does not work.
The exit strategy is everything
Every bridging loan is assessed on how you will repay it. If the exit does not work, the deal does not work. This is the single most important thing we validate before arranging any bridging loan.
Refinance onto a mortgage
The most common exit. Refinancing onto a buy-to-let, HMO or commercial mortgage once the property is in the right condition and tenanted. This must be modelled in advance against real lender criteria.
Selling the property
Exit by sale, whether at auction, private sale, or to another investor. Requires a realistic valuation and sensible market assumptions, not best-case numbers.
Restructuring the asset
Splitting titles, reconfiguring, or repositioning the asset before refinancing. Requires careful planning of valuation, timing and lender criteria.
How we structure bridging deals
Start with the exit, not the loan.
Start with the exit
- How the deal will exit
- Which lenders will accept the finished property
- What valuation and rental assumptions apply
Match lender to deal type
- Auction specialists for tight deadlines
- Heavy refurb lenders for complex works
- Specialist lenders for title splits and legal restructuring
Stress test the exit before proceeding
- Refinance viability confirmed
- Expected valuation assessed
- Rental income versus stress test checked
Align timeline and funding
- Works duration matched to lender term
- Extension flexibility built in
- Contingency planning from the start
Free tool: Finance Route Checker
Tell us about your deal and get a personalised finance route and a shortlist of bridging and specialist lenders, instantly and with no credit check.
Bridging Finance Route Finder
See your mortgage options
Enter the deal details to get your personalised route.
No credit check, free to use.
Real example: auction to HMO
The situation
- Property purchased at auction
- Required full refurbishment
- Planned HMO conversion on completion
The risk
No confirmed exit strategy at the time of purchase. Rental and valuation assumptions had not been validated against exit lender criteria.
How we structured it
- Bridging loan aligned with the project timeline
- Exit lender identified and pre-qualified upfront
- Rental and valuation assumptions validated
Bridging finance is not just about getting in. It is about getting out cleanly.
Exit strategy confirmed, deal structured. Message us
Send us the property, the works and your exit plan on WhatsApp. We will tell you straight whether bridging is the right route, and show you the alternatives if it is not.
We reply fastest on WhatsApp, message us anytime.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some forms of bridging finance are not regulated by the Financial Conduct Authority. Albion Financial Advice Services Ltd is authorised and regulated by the FCA, FRN 769375.
Last updated: 23 June 2026