About Bridging Loan Online

Bridging Loan Online compares a wide panel of UK bridging lenders for property investors, buyers and businesses. The conversation is direct, the costs are explained before you apply, and there is no broker fee.

Speak to Adam

Call or WhatsApp 07973 197535. The name used for that contact on this website is Adam Mitchell. This page does not confirm a regulatory role, a firm reference number, or a registered legal entity. There is no broker fee. If a loan completes, the lender usually pays us.

Comparing lenders matters because the monthly rate, the arrangement fee and the term are set by each lender. A single lender can only show its own product. We set the options next to each other so you can see the difference.

What is a bridging loan?

A bridging loan is short-term finance secured against property. It bridges a gap: you need money now, and you have a clear way to repay it within months, usually by selling a property or refinancing onto a mortgage or longer-term loan.

UK borrowers use bridging finance to buy before they sell, break a property chain, complete an auction purchase within the deadline, buy or refurbish a property a mortgage lender will not yet accept, or release cash quickly for a business opportunity.

How bridging loans work

Interest is charged monthly. Serviced interest is paid each month and the balance stays the same. Rolled-up interest is added to the balance and paid at the end; our calculator compounds that monthly. Retained interest is usually deducted from the amount the lender releases, and it is not the same as rolled-up interest. The rate and the method are the lender's, not a figure this website can guarantee.

Many loans are arranged for a matter of months rather than decades. A lender may charge an arrangement fee, a valuation fee, legal fees, and sometimes an exit fee. This website does not state a usual percentage for those fees. The bridging loan calculator shows an illustration for figures you enter.

The most important part of any application is the exit strategy: how the loan will be repaid. Lenders look at the property, the amount you want to borrow against its value, and how realistic your exit is, more than your income alone.

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