Bridging Finance
Solutions
Fast, flexible short-term funding for property purchases, chain breaks, auction buys and refurbishment projects.
What Is Bridging Finance?
A bridging loan is a short-term finance solution used to “bridge the gap” between buying and selling, or to secure a property quickly when a traditional mortgage isn't suitable.
It provides fast access to funds, usually within 3–14 days, making it ideal for situations where timing is critical.
PD Finance acts as an introducer only for this type of business.
When Bridging Finance Is the Right Option
✔ Buying a property before your current home sells
Avoid losing out on your new home while waiting for your sale to complete.
✔ Auction purchases
Most auctions require completion within 28 days — bridging finance helps you meet tight deadlines. before refinancing.
✔ Property needing renovation or unmortgageable
If a property has no kitchen/bathroom or needs work, bridging can fund the purchase until it's mortgage-ready.
✔ Chain breaks
If a buyer pulls out, a bridging loan keeps your purchase moving.
✔ Short-term financing needs
Ideal for refurbishments, extensions, or creating value before refinancing.
How Much Can You Borrow?
Typical bridging loan amounts range from:
£25,000 → £25 million+
(depending on lender and security)
Loan-to-value (LTV) options typically go up to:
-
75% LTV (residential)
-
70% LTV (commercial or mixed-use)
Our Partners have access to both mainstream and specialist lenders offering competitive rates.
-
Exit strategy
-
Deposit/equity
-
Credit profile
-
Property type
-
Loan size
-
Speed required
-
Terms usually range from 3 to 24 months.
-
Our partners will compare lenders to help you access the most suitable and cost-effective structure for your project.
Exit Strategies (How You Repay the Loan)
Every bridging loan must have a clear exit plan, such as:
-
Selling a property
-
Refinancing onto a standard mortgage
-
Raising funds from investment income
-
Selling assets
-
Equity release
Our Partners will help you choose the right exit strategy and ensure lenders approve it.
Types of Bridging Loans We Support
-
Regulated Bridging
-
Used when the loan is secured on a property you live in (or intend to).
-
Unregulated Bridging
-
Used for investment properties, commercial properties or development.
-
Light Refurbishment Loans
-
Small works that don’t require building regulations or structural changes.
-
Heavy Refurbishment Loans
-
Projects involving structural work, extensions, or planning permission.
How to Apply for a Bridging Loan
Our partners will guide you through:
-
Affordability checks
-
Property valuations
-
Legal requirements
-
Exit strategy confirmation
-
Lender selection
-
Application and completion
Bridging finance moves quickly - our role is to coordinate lenders, solicitors and valuers efficiently.
Bridging Finance - Frequently Asked Questions
How fast can I get bridging finance?
Most bridging loans complete within 3–14 days, depending on the valuation and legal process.
Do I need an exit strategy?
Yes. All bridging lenders require a clear, approved plan for repaying the loan, such as selling a property or refinancing.
Can I get bridging finance with bad credit?
Yes. Bridging is more flexible than traditional mortgages — some lenders accept adverse credit if the exit strategy is strong.
Do bridging lenders require a valuation?
In most cases, yes. Some lenders offer “desktop” or “drive-by” valuations to speed up the process.
Can I use bridging finance for investment properties?
Yes. Unregulated bridging is commonly used for investment, BTL, HMO, or renovation projects.