Bridging Loans

Bridging loans provide the borrower with short-term finance secured against property assets where mainstream finance is unavailable.

This can be due to a property not meeting a bank’s criteria in terms of:

  • Being in major need of refurbishment
  • The borrower’s financial circumstances
    (e.g. overexposure or credit history)
  • Timescale
    (e.g. auction purchase where you have 28 days to complete)

Our Bridging Loan Service

We provide bridging loans for both residential and commercial properties to those who need immediate access to capital and have been unsuccessful in obtaining a mortgage or financial support from the bank.

Residential Bridging Loans

Our residential bridging loans enable you to purchase a property or build your dream home when a bank loan or mortgage is out of the question. For standard residential first charge loans, we offer between £50,000 to £5,000,000 with a monthly interest rate of 0.9% and no exit fees!

See a full breakdown of our residential bridging loan rates and fees

Commercial Bridging Loans

We offer commercial bridging loans of up to 75% loan to value/purchase from £60,000 to £10 million. Our bridging loans rates are from 1% per calendar month, with terms from 1 month to 18 months – with no exit fees.

See a full breakdown of our commercial bridging loan rates and fees

Bridging Loan FAQs

What is a Bridging Loan and how do they work?

Sometimes you need liquidity to function and a property bridging loan can provide you with capital quickly over a relatively short period of time. A bridging loan is a short-term, interest-only loan, usually for a period of 12 months or less, secured against land or property. Find out more.


When to use a bridging loan for your residential or commercial property?

A bridging loan can be useful in raising capital for any legal purpose, but in typical circumstances borrowers can obtain a bridging loan for the purposes of:

  • Buying to let
  • Auction property purchases
  • Development or refurbishment to get a property to acceptable condition to mortgage
  • Houses of multiple occupancy (HMO)
  • Borrow against value rather than purchase price
  • Raising debt secured against two or more properties with equity

Who is eligible?

BiG Property Finance will consider any business or individual that is a property owner. We can provide a quick decision and expedite a loan completion as we don’t carry out time consuming credit checks. Read more information about bridging loan criteria and eligibility.

How much does a bridging loan cost?

Bridging finance is generally more expensive than a conventional mortgage but, if it is the only option between you and achieving your goal, it could be a price worth paying. It may not be as expensive as you think; see more information about bridging loan costs.

Why choose BiG Property Finance?

1. Speed of response

Indicative terms are usually issued within 3 hours of your application with loans in place as quickly as 48 hours from agreeing terms.

2. Competitive bridging finance rates

Unlike many bridging loan companies, we will only charge you interest up to the day you repay the loan, subject to a minimum term of 1 month and 5 working days’ notice. We do not charge any early redemption fees.

3. Geographical Coverage

We will consider bridging any property throughout the United Kingdom

4. How to get a bridging loan?

Simply complete our online application form (see below) and one of our Sales Representatives shall be in touch with you.

Our Case Studies

BIG Property Finance are a provider of short term secured loans & bridging finance, offering a unique and fresh approach to lending to property owners, investors and developers.

Bridging Loan Enquiries

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  • (Please include basis of Valuation)
  • (The amount you wish to borrow)
  • (Period of time to pay back your loan)
  • (please include basis of Valuation)

Bridging Loan Questions?

Please get in touch…