What You Need to Know about Bridging Finance, in 2025

If you’re buying a property and need funding quickly, whether you’re facing a broken chain, buying at auction, or planning a refurbishment, bridging finance could be the solution. At Pure Property Finance, we specialise in helping clients secure short-term property finance tailored to their needs.

What Is Bridging Finance?

Bridging loans are short-term finance solutions designed to “bridge” the gap between buying a property and securing longer-term funding (like a mortgage), or selling another asset. They’re fast, flexible, and ideal for situations where traditional lenders can’t move quickly enough.

Why Bridging Finance Is More Popular Than Ever

In 2025, bridging finance is no longer just for developers or investors, it’s being used by homeowners, landlords, and business owners across the UK. Here’s why:

• Speed: Bridging loans can be arranged in days, not weeks.
• Flexibility: You can borrow against residential, commercial, or mixed-use properties.
• Opportunity: Whether you’re buying below market value or converting a property, bridging finance lets you act fast.

Common Scenarios Where Bridging Finance Helps

• Auction purchases: Need to complete within 28 days? Bridging finance can make that happen.
• Chain breaks: Secure your new home even if your sale falls through.
• Refurbishment projects: Fund light or heavy works before refinancing with a mortgage.
• Commercial-to-residential conversions: Use bridging to acquire and transform properties.

What You Need to Know Before Applying

Bridging loans are powerful tools, but they’re not for everyone. Here are a few things to consider:

• Exit strategy: How will you repay the loan? Common exits include selling the property or refinancing.
• Interest rates: Rates vary depending on the property, loan size, and borrower profile. We’ll help you find the most competitive deal.
• Loan terms: Typically, 3 – 12 months, but longer terms may be available.

How We Can Help

As a whole-of-market specialist broker, we have access to lenders that aren’t available directly to the public.

We will:

• Assess your situation and recommend the right product
• Handle the paperwork and liaise with lenders
• Ensure a smooth, fast process from application to completion

Is Bridging Finance Right for You?

If you’re unsure whether bridging finance is suitable for your situation, we’re here to help. Our team offers free, no-obligation consultations to explore your options and guide you through the process.

Ready to move quickly on a property opportunity?

Contact us today on 02920 766 565, or [email protected] to speak with one of our bridging finance specialists.