Your Partner in
Short-Term Property Finance

Short-term finance solutions are ideal for property investors, developers, landlords, and even homeowners who need quick funding for time-sensitive opportunities. Whether you’re purchasing at auction, completing a development project, renovating a property, or bridging a financial gap when stuck in the property chain, short-term loans provide the flexibility and speed required to achieve your goals.

Short-term loans can be secured against various property types, including residential homes, commercial buildings, mixed-use properties, land (with or without planning permission), and semi-commercial properties. This versatility makes them suitable for a wide range of projects.

Tip: If you’ve shortlisted a property at auction, it’s wise to consult an experienced bridging loan advisor beforehand and arrange a decision in principle. This ensures you can bid confidently and act quickly after a successful bid.

A bridging loan is a short-term funding solution designed to “bridge” financial gaps. Common scenarios include purchasing a property before selling another, refinancing an existing loan, or buying at auction. Bridging loans are ideal when speed and flexibility are critical.

Bridging loans are known for their speed, with funds often available within a few days to a couple of weeks, depending on the complexity of the case. However, the timeline also depends significantly on how quickly clients instruct legal representation and arrange for property valuations. This quick access to capital makes bridging loans perfect for time-sensitive opportunities when all parties work efficiently.

• Refinancing: For example, refinancing a completed development, allowing the borrower to sell units over time at the best price instead of resorting to a quick sale. This type of product is often referred to as a development exit loan by bridging lenders.
• Land Acquisition: Securing land to enhance or obtain planning permissions, later transition into a development finance product.
• Refurbishments: Funding light or heavy renovations, such as updating interiors or structural improvements, to increase property value or make it eligible for long-term finance.
• Releasing Equity: Unlocking capital tied up in properties to fund other ventures, investments, or business opportunities.

Example: A client used a bridging loan to secure a vacant commercial property and later refinanced it after renovations to release equity for an overseas business venture.

Explore detailed examples in our Bridging Loan Use Cases guide.

Bridging loan rates typically start at 0.55% per month, depending on the lender and loan-to-value (LTV). Additional costs may include arrangement fees, legal fees, and valuation fees. Transparent communication ensures all costs are outlined upfront.

Development finance is designed to fund property construction or major renovation projects. It’s ideal for developers building new homes, converting properties, or undertaking large-scale projects. The funding is released in stages, ensuring you have access to capital as the project progresses.

Development finance is tailored for construction or large-scale property improvements, with funds released in stages based on project milestones. Bridging loans, on the other hand, are used for short-term needs like property purchases or refinancing. Both serve specific purposes depending on your project’s requirements.