Bridging Loans and Auction Property Finance

Whether you need to solve a cash flow problem, bridge the gap between purchasing a home and obtaining a mortgage, or swiftly turn around a project.

What is a Bridging Loan?

A bridging loan is a short term property loan for a set amount of time, usually 12 months. We'll arrange the loan you need and you repay it as a lump sum, either when the term ends or before.

Interest will be added each month and depending on the type of bridging loan you have, you may choose to pay this each month or have it rolled up and added to the lump sum.

If you pay back the lump sum before the end of the term, you may pay less total interest. Fees that come with arranging the loan can also be added to the lump sum

Image of moving house

Bridge House Moves

Bridging finance is best known for funding a house purchase while a sale is delayed, but consumers are increasingly utilising it to make rapid acquisitions, allowing them time to remodel the new property before selling the old one.

Image of engineering drawings

Commercial Bridging

We deal with businesses that need short-term financing for a number of reasons. Purchasing development sites prior to planning, bridge to let, redeveloping commercial premises, and assisting in the acquisition of property before longer-term financing is available.

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Auction Property Finance

Bridging loans are also used to purchase property at auction for renovation or refurbishment before reselling or transferring to a buy to let for renting. Our quick response times make us an excellent choice for auction purchase finance.

Key Points

  • Complete in 2 days
  • Repay from 1 to 18 months
  • No early repayment charges
  • Up to 100% loan-to-value (with additional security)

Get Advice

Speak to our expert team, we can turn around bridging loans quickly with the highest standards of service offered to our clients.
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Find out prices in your area

We compile prices for over 1000 towns and cities in England and Wales. Find out how prices are changing in your area.

Name Year Sales Average Change Median Change
London 2022 23707 £832,777 6.6% £579,000 4.3%
Manchester 2022 5846 £239,115 4.9% £210,000 5.5%
Birmingham 2022 5372 £238,831 2.7% £205,000 3.5%
Bristol 2022 5203 £381,314 6.4% £330,000 5.6%
Nottingham 2022 5051 £238,683 0.8% £200,000 2.6%
Liverpool 2022 4340 £193,346 1.3% £160,000 3.2%
Leeds 2022 4213 £248,235 2.3% £205,550 2.8%
Sheffield 2022 3362 £226,412 0.2% £182,500 1.4%
Leicester 2022 3100 £277,177 3.7% £245,000 4.3%
Southampton 2022 2778 £325,451 3.4% £285,000 4.4%
Norwich 2022 2680 £312,268 4% £270,000 3.8%
Stoke-on-trent 2022 2569 £170,061 -0.3% £145,000 -0.7%
Newcastle Upon Tyne 2022 2310 £223,828 -2.5% £170,000 -2.9%
Coventry 2022 2283 £243,754 3.3% £212,000 5%
Derby 2022 2271 £235,647 3.5% £207,500 6.4%
Doncaster 2022 2268 £173,600 -1.2% £147,250 -0.5%
Hull 2022 2212 £155,098 3.7% £135,000 3.9%
Cardiff 2022 2155 £284,479 3.8% £245,000 3.2%
Northampton 2022 2126 £296,604 2.9% £260,000 4%
Plymouth 2022 2105 £235,494 2.6% £210,000 7.7%
Preston 2022 2096 £201,013 -3.9% £174,500 -3.1%
Reading 2022 2087 £442,814 1.7% £379,950 2.7%
Bradford 2022 2081 £149,188 3.1% £130,000 4%
York 2022 1898 £329,658 1.2% £282,638 2.8%
Bolton 2022 1805 £195,036 2.4% £160,000 3.9%
Swindon 2022 1777 £282,674 4% £255,000 4.9%
Swansea 2022 1706 £209,021 2.3% £170,000 3%
Stockport 2022 1705 £307,789 1.6% £260,000 2%
Peterborough 2022 1691 £259,360 2.5% £230,000 4.6%
Colchester 2022 1677 £339,984 0.4% £305,000 1.7%
Lincoln 2022 1640 £239,924 0.3% £210,000 2.4%
Newport 2022 1625 £225,272 1.9% £192,000 1.1%
Bournemouth 2022 1589 £334,140 3.2% £295,000 3.9%
Milton Keynes 2022 1479 £347,062 4.3% £305,000 1.7%
Ipswich 2022 1466 £290,998 2.1% £250,000 2%
Barnsley 2022 1451 £161,122 2.4% £140,000 3.7%
Warrington 2022 1445 £240,242 -0.5% £205,000 -1.4%
Wigan 2022 1411 £174,829 -1.9% £155,000 1.3%
Rotherham 2022 1401 £164,467 -1.9% £140,000 -2.3%
Cambridge 2022 1373 £529,841 10.3% £435,000 5.7%
Wolverhampton 2022 1363 £231,184 1.9% £198,990 4.7%
Cheltenham 2022 1307 £410,387 2.7% £320,000 1.6%
Middlesbrough 2022 1306 £142,990 -3.1% £115,500 -3.8%
Gloucester 2022 1293 £270,979 2.6% £250,000 4.2%
Brighton 2022 1274 £473,258 6.6% £412,500 4.8%
Bedford 2022 1263 £369,954 3.6% £325,000 3.2%
Blackpool 2022 1261 £136,569 1.2% £122,000 3.2%
Wirral 2022 1254 £283,283 5% £225,000 1.1%
Chesterfield 2022 1236 £209,293 2% £176,000 1.9%
Chelmsford 2022 1230 £422,278 1% £380,000 2.7%
Huddersfield 2022 1218 £205,774 -1.3% £168,000 -1.2%
Sunderland 2022 1180 £153,516 0.6% £125,000 0%
Poole 2022 1157 £445,194 1.1% £330,000 3.1%
Oldham 2022 1154 £190,613 1.5% £166,000 3.8%
Wakefield 2022 1150 £220,801 -0.5% £187,500 1.4%
Stockton-on-tees 2022 1149 £157,999 -3.3% £139,500 -0.4%
Exeter 2022 1132 £356,280 10.1% £297,250 6.2%
Ashford 2022 1104 £371,654 4.7% £325,000 3.2%
Solihull 2022 1071 £420,748 3.7% £345,000 1.5%
Walsall 2022 1066 £219,542 3.1% £186,000 2.8%
Luton 2022 1065 £300,068 3.5% £295,000 7.3%
Mansfield 2022 1051 £177,609 0.8% £157,500 1.6%
Romford 2022 1047 £413,384 6.1% £405,111 8%
Maidstone 2022 1019 £375,091 1% £335,000 -0.6%
Eastbourne 2022 1011 £322,102 4.7% £293,950 6.9%
Chester 2022 1009 £285,316 2% £240,000 0%
Grimsby 2022 1005 £163,110 0.9% £145,950 4.2%
Telford 2022 996 £201,594 -3.7% £180,000 -1.3%
Worcester 2022 989 £296,782 1% £250,000 0%
Burnley 2022 919 £131,225 -0% £106,000 3.4%
Aylesbury 2022 901 £411,420 3.8% £360,000 5.9%
Worthing 2022 872 £381,051 2.1% £355,000 7.6%
Kettering 2022 871 £268,321 3.4% £243,000 6.6%
Carlisle 2022 858 £163,151 -3.4% £135,000 -4.9%
Durham 2022 857 £174,961 -2.7% £130,000 -8.8%
High Wycombe 2022 851 £458,145 1.8% £400,000 3.9%
Portsmouth 2022 847 £265,716 6.2% £245,000 7.2%
Darlington 2022 830 £160,414 -2.5% £130,000 -3.7%
St Helens 2022 828 £158,957 3.8% £140,000 3.7%
Shrewsbury 2022 827 £288,905 -0.6% £247,500 0%