{"id":82393,"date":"2026-11-06T18:24:19","date_gmt":"2026-11-06T18:24:19","guid":{"rendered":"https:\/\/smfinancelounge.co.uk\/?page_id=82393"},"modified":"2026-11-06T18:37:12","modified_gmt":"2026-11-06T18:37:12","slug":"bridging-finance","status":"publish","type":"page","link":"https:\/\/smfinancelounge.co.uk\/ru\/bridging-finance\/","title":{"rendered":"\u0431\u0440\u0438\u0434\u0436-\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 (Bridging)"},"content":{"rendered":"

[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″ custom_padding=”0px||0px||false|false”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” column_structure=”1_2,1_2″ theme_builder_area=”post_content” module_class=”about-hero” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

FOR PROPERTY INVESTORS<\/p>\n

Bridging finance for investors<\/h1>\n

When a property deal needs to move fast, a bridging loan can fund the purchase while you arrange longer-term finance or a sale. We arrange bridging finance for auction purchases, refurbishments and investment opportunities, with access to specialist lenders across the market.<\/p>\n

Book a Free Consultation<\/a><\/div>\n

\u2605\u2605\u2605\u2605\u2605<\/span> 5.0 from 120+ Google reviews \u00b7 FCA authorised \u00b7 NACFB Assured<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smfinancelounge.co.uk\/wp-content\/uploads\/2026\/11\/Web-11.jpg” _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” alt=”Simona Minikaitiene, bridging finance broker at SM Finance Lounge” title_text=”simona-minikaitiene-bridging-finance.jpg” max_height=”480px” border_radii=”on|20px|20px|20px|20px” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″ background_color=”#e8f1ed”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_code _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

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What can bridging finance be used for?<\/h2>\n

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Auction purchases<\/pee>Auctions usually need completion within 28 days. Bridging lets you complete on time and refinance afterwards.<\/pee><\/div>\n

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Refurbishment<\/pee>Buy a run-down or unmortgageable property, renovate it, then refinance on its improved value.<\/pee><\/div>\n

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Bridge to let<\/pee>Short-term funding to buy and prepare a property, with a planned move onto a buy to let mortgage.<\/pee><\/div>\n

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Investment opportunities<\/pee>Secure a below-market deal or a chain-break purchase before longer-term finance is in place.<\/pee><\/div>\n

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How bridging finance works<\/h2>\n

A bridging loan is short-term finance, usually for 1 to 18 months, secured against property. Every lender will want a clear exit strategy<\/strong>: how you will repay the loan, normally by refinancing onto a mortgage or selling the property.<\/pee>Interest is often rolled up<\/strong> (added to the loan and paid at the end) or retained<\/strong> (held back from the advance), so there are no monthly payments while you work on the property. Bridging costs more than a standard mortgage, so the plan and timescale need to be right from day one.<\/pee><\/p>\n

What lenders will want to know<\/h3>\n

\u2713<\/span> The property and purchase price\u2713<\/span> Your deposit and where it comes from\u2713<\/span> Your plans and refurbishment costs\u2713<\/span> Your exit strategy and timescale\u2713<\/span> Any property or building experience<\/pee><\/p>\n

How we help with bridging finance<\/h2>\n

We look at the whole deal, not just the loan. We plan the bridge and<\/strong> the exit together, compare specialist lenders across the market, and keep things moving with valuers and solicitors so you hit your deadline. As NACFB Assured brokers, we work with commercial and specialist lenders every day.<\/pee><\/p>\n

CLIENT STORY<\/pee>From builder to property investor, with money released for the next deal<\/pee>Our client was a builder who wanted to start investing in property. His plan was a quick win: buy a run-down property, do the work himself, and refinance once the value went up.<\/pee>We arranged bridging finance so he could buy fast, then lined up the refinance on the property’s new, higher value. The plan worked exactly as he hoped, and the refinance released money he could put towards his next deal.<\/pee>Every case is different. Bridging finance is subject to lender criteria and valuation.<\/pee><\/div>\n

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Bridging finance FAQs<\/h2>\n

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\nHow quickly can bridging finance complete?<\/summary>\nStraightforward cases can complete in a few weeks, depending on the valuation, legal work and how quickly documents are provided. Auction deals are planned around the 28-day deadline.<\/pee><\/details>\n

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\nWhat is an exit strategy?<\/summary>\nIt is how you will repay the bridging loan, usually by refinancing onto a buy to let or other mortgage, or by selling the property. Lenders will check it is realistic before they lend.<\/pee><\/details>\n

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\nDo I need property experience?<\/summary>\nNot always. Some lenders work with first-time investors, especially for lighter refurbishments. Building or trade experience can help on bigger projects.<\/pee><\/details>\n

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\nCan I use bridging finance for my own home?<\/summary>\nWe arrange unregulated bridging finance for investment and business purposes only. If you need a bridge for a home you or your family will live in, talk to us and we will explain your options.<\/pee><\/details>\n

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\nWhat are the risks?<\/summary>\nBridging is more expensive than a standard mortgage, and costs build up if your exit is delayed. Your property may be at risk if you can’t repay. Unregulated bridging loans are not covered by the Financial Ombudsman Service.<\/pee><\/details>\n

Planning to keep the property? Read about our buy to let mortgages<\/a>. Check what tax you will pay with the GOV.UK stamp duty guide<\/a>.<\/pee><\/div>\n<\/div>\n

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BOOK YOUR FREE CONSULTATION<\/pee><\/p>\n

Talk to a specialist about bridging finance.<\/h2>\n

Tell us about the property, your timescale and your exit plan. We’ll show you what’s possible and how the numbers work before you commit.<\/pee><\/div>\n

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Free 30-minute consultation<\/pee>\u2713<\/span> Pick a time that suits you\u2713<\/span> Phone or video call\u2713<\/span> No obligation to proceed\u2713<\/span> Kalbame lietuvi\u0161kai \u00b7 \u0413\u043e\u0432\u043e\u0440\u0438\u043c \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438<\/pee>Choose a date & time \u2192<\/a><\/div>\n<\/div>\n<\/div>\n

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FOR PROPERTY INVESTORS Bridging finance for investors When a property deal needs to move fast, a bridging loan can fund the purchase while you arrange longer-term finance or a sale. We arrange bridging finance for auction purchases, refurbishments and investment opportunities, with access to specialist lenders across the market. Book a Free Consultation \u2605\u2605\u2605\u2605\u2605 5.0 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-82393","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages\/82393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/comments?post=82393"}],"version-history":[{"count":4,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages\/82393\/revisions"}],"predecessor-version":[{"id":82421,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages\/82393\/revisions\/82421"}],"wp:attachment":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/media?parent=82393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}