Bridging Finance
Fast & Flexible Short-Term Lending (Unregulated Only)
What is it?
Bridging finance is a short-term loan designed to help investors, landlords, and developers quickly secure fundingbefore arranging longer-term finance or selling a property. These loans are commonly used for auction purchases, refurbishments, and investment opportunities where speed is essential.
Unlike traditional mortgages, bridging loans are secured against property and offer fast approvals, flexible terms, and interest-only payments, making them ideal for those who need temporary funding to bridge the gap.
At SM Finance Lounge, we offer only unregulated bridging finance, which is available for business or investment purposes and not for personal residential use.
What can Bridging Finance be used for?
Product transfer and remortgage are two options available to borrowers who are looking to switch their existing mortgage to a new deal. While both involve changing your mortgage product, there are some key differences between product transfer and remortgage.
Product transfer refers to switching from your current mortgage deal to a new deal offered by your existing lender. This process does not involve switching to a new lender or going through the mortgage application process. Product transfers are typically available to borrowers who are coming to the end of their fixed rate, discount or tracker period.
What can Bridging Finance be used for?
Auction Purchases – Secure properties quickly before arranging long-term finance.
Property Refurbishment – Finance light or heavy refurb projects.
Investment & Development – Short-term funding for landlords and developers.
Chain Break Finance – Avoid delays if a property transaction is stuck in a chain.
Why choose SM Finance Lounge for Bridging Loans?
Unregulated bridging finance specialists with whole-of-market access.
Tailored solutions for experienced investors, landlords, and developers.
Fast and flexible lending with expert guidance at every step.
Contact us today to explore your Bridging Finance options
First Time Buyers
Mortgages specifically designed for individuals who are purchasing their first home.
Residential
A residential mortgage is a type of loan used to purchase or refinance a residential property.
Buy To Let
Designed for individuals who want to purchase a property with the intention of renting it out to tenants.
Let To Buy
A mortgage that enables homeowners to rent out their existing property and purchase a new one to live in.
Remortgage
Remortgage is a process when a homeowner switches their existing mortgage to a new lender or product.
Protection
You’re in safe hands. I can support you in safeguarding your financial wellbeing and assets in case of unforeseen events.
Bridging Finance
A short-term loan used to quickly secure a property or access funds, typically until long-term financing is in place.
Bridging Finance – Frequently asked questions
What is an unregulated bridging loan?
An unregulated bridging loan is a short-term loan designed for property purchases or investments that aren’t your main home. It’s popular with investors, landlords, and developers who need quick funds for things like auction purchases, refurbishments, or commercial projects. Because it’s not regulated by the FCA, it offers more flexibility—but also comes with higher risks.
When is a bridging loan a good option?
A bridging loan is great when you need fast, short-term funding to secure a property or complete a project before getting long-term finance in place. People often use them for auction purchases, quick property flips, refurbishments, or commercial investments. They can also help if a mortgage is delayed, but you still need to complete a purchase. The key is having a clear plan to repay it!
What should I watch out for with unregulated bridging loans?
Because these loans aren’t regulated, they don’t come with the same consumer protections as standard mortgages. Interest rates can be higher, repayment terms are short, and you need a solid exit strategy to pay it back—otherwise, your property could be at risk. They’re great for the right situation but need careful planning!
Can’t find the answer you are looking for?