AT A GLANCE
What is bridging finance?
Bridging finance is short-term borrowing, usually secured on property, to cover a temporary funding gap. It needs a credible repayment route and careful consideration of interest, fees and what happens if plans are delayed. Regulation depends on the arrangement.
Bridging finance is short term borrowing secured against property, often considered where purchase and sale timings do not line up. Its suitability rests on more than speed. A clear purpose, realistic timescale and credible exit, such as a sale or longer term finance, are central to the decision.
What this can help you explore
- Assess a temporary funding need and possible alternatives.
- Understand how interest and fees affect the final repayment.
- Examine the exit plan and what happens if it is delayed.
Things to consider
Bridging can be expensive, and delays may increase costs or put the secured property at risk.
Regulation depends on the arrangement; refinancing or selling on time cannot be guaranteed.
Your questions, answered.
It is the planned source of money to repay the loan, supported by realistic evidence and timing. A fallback matters if that plan changes.
Some arrangements allow this. It increases the amount due at repayment, so the full cost and available equity need careful assessment.
Who provides this service?
The provider, applicable permissions, advice scope and terms must be confirmed before you proceed. Regulatory treatment and protections vary by service and product.
Regulatory information