Bridge Loans and Bridge Finance Explained

What is a 'Bridge Loan'?

There are times when you wish to buy something that you don't immediately have the cash for. For small amounts, you might take out a personal loan or use credit cards. For very large amounts, you typically take a loan secured against the thing thing that you are buying - for example, a home mortgage where the physical building is the loan security. Unfortunately, such large loans can take a while to obtain - requiring a lot of paperwork, proof of income, and this possibly repeated with several lenders to enable you to get the best deal. This is where 'Bridge Financing' comes into play.

A 'Bridge Loan' is intended as short-term financing - and provides a way for you to complete your purchase quickly, while allowing you time to get access to your own funds or to obtain the best long-term financing for your particular needs.

Bridge financing can be used by both private individuals and commercial entities to enable them to remove obstacles to completing deals. A 'commercial bridge loan' could help your company expand, cover cashflow disruptions, or take control of its own destiny.

Example Case Studies (commercial)

Buying a Business - with or without property assets.

Smoothing Cash Flow - at times of difficulty.

Development Financing - for land or refurbishment.

Securing the Best Deal - when a fast deal can save a substantial amount.

Example Case Studies (residential)

Buying a New Home - when there is a complex chain, or that you wish to complete before selling your existing home.

Buying Property Overseas - existing or off-plan.

Building a New House - before there is a new structure to obtain a mortgage on.

Customer Success Stories

"I had a deal fall through with another lender at the 12th hour, UK Propertyloans were able to step in and structure a deal enabling me to pay off my existing commercial mortgage, whilst giving me extra funds to buy some adjoining land to expand my business, since then I haven't looked back" - Patrick from Lincs

"I needed £500,000 to secure a the purchase of <a business>. I contacted UKpropertyloans.com who were able to arrange the finance within 2 weeks. I now use them for all my short term financing needs" - Brian from Essex