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  • Rates from 0.39% a month
  • Fast turnaround
  • Regulated Bridging
  • Non-Regulated Bridging
  • From 25k upwards


What is a bridging loan?

Bridging loans are specialised loans designed to give you short-term access to money to complete the purchase of a property as you wait for other funds to become available.

These loans are often used by landlords and property developers to fund projects, but are also popular with home-movers to help bridge the gap between exchange and completion dates. Borrowing is available between £25,000 and £50m.


How much will it cost me?

This varies on your criteria, but bridging is a more expensive way of borrowing as lenders charge a higher rate of interest than mainstream lending, with administration fees on top.


How quick is the process?

Depending on the lender, you will normally find out within 24 hours if your bridging loan application has been approved, and 14 days until you receive the money. If you need the finance quicker, some lenders can beat the clock, but this could mean more expensive finance.


What types of bridging loans do T&T Finance offer?

  • Bridging Loans – Commonly used to prevent home purchases falling through, pending a transaction.
  • Residential Bridging – Regulated and Unregulated. Useful to repay debt, purchase new buy-to-let properties or even carry out home improvements.
  • Second Charge Bridging – Where there is sufficient equity in a property which has a first charge loan, a second charge bridge can be used to release additional equity to provide additional funding. Rates on second charge bridging tend to be higher as they are considered higher risk for lenders.
  • Auction Finance – A bridging facility agreed prior to the auction which is used to complete on a property purchased at auction. This is particularly useful when purchasing a derelict property which cannot be mortgaged until it is modernised.


How can I get a bridging loan?

Whatever your requirement, T&T Finance can help find the best solution for you.

We have access to the whole of the bridging loan market, including specialist lenders and private banks. Our contacts in the industry can get you the leading rates for a bridging loan that suits you.


Next Steps

To arrange bridging finance, call us on 0207 1234 089 for a non-obligatory quote, or request a call back by filling in our form.


Borrowers must understand that bridging is short-term borrowing only. A strong exit strategy to pay off the loan must be considered and arranged at the time of applying for the loan.

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    Thank you Samuel for enabling us to remortgage our property. Now that mortgages are more difficult to qualify for than ever, a trustworthy broker at your side makes all the difference.

    Mark & Sue M

    We had been paying high insurance premiums on our property portfolio. We met T&T Finance and they brought our insurance premiums right down. Fantastic service


    I was amazed and delighted by the speed with which the whole transaction was completed – and of course with the reduction in our insurance premium.