Bridging Loans UK – Fast, Flexible Finance by Trinity Finance
At Trinity Finance, we specialise in bridging loans — short-term property finance solutions crafted for homeowners, property investors and developers across the UK. Whether you’re unlocking a purchase, funding a renovation or bridging a sale gap — we’re here to help you move quickly, confidently and securely.
What is a Bridging Loan?
A bridging loan is a short-term loan secured against property, designed to bridge the gap before your long-term financing or sale is completed. These loans typically last from a few weeks up to 12 months. They’re ideal when timing is critical — for auction purchases, completed sales, refinance delays or property development exits.
Key features include:
- Flexible repayment dates (open or closed bridging)
- Higher flexibility than typical mortgages
- Often higher interest and fees than long-term loans — because of speed, risk and flexibility
- Exit strategy is essential (sale of property, long-term mortgage, refinance)
Why Choose Trinity Finance for Your Bridging Loan?
Rapid Decision Making
We understand timing matters. Our streamlined process means decisions in days, letting you act when opportunities arise.
Expertise in UK Property Finance
Our specialist team has years of experience in bridging, property development and investment finance — we know the risks and the smart approach.
Transparent Terms & Clear Costs
We’ll walk you through arrangement fees, interest rates, exit strategy and all charges — no hidden surprises.
Tailored Solutions for Your Situation
Whether you’re a homeowner, developer or investor, we design the solution around your plans: residential or commercial, refurbishment or sale-exit.
Strong Lender Network
We work with a broad panel of lenders, enabling us to find the right product for you — including first-charge, second-charge and specialist bridging finance.
Eligibility & What We Look For
- Property value and location (residential, commercial, mixed use)
- Loan-to-Value (LTV): commonly up to ~75% of property value — exact figure depends on security, charge position, exit.
- Exit strategy: how and when the loan will be repaid.
- Credit history: bridging is more flexible than some long-term finance, but all applications are assessed individually.
- Documentation: proof of ownership or security, valuation, exit plan.
Costs to Consider
Bridging finance is short-term and more expensive than standard mortgages — but that’s the trade-off for speed and flexibility. Costs you should review:
- Arrangement fee (often a % of loan)
- Interest (monthly or interest roll-up)
- Valuation and legal fees
- Early repayment or exit fees (if applicable)
- Draw-down charges (if multiple drawdowns)
- We’ll provide a full cost breakdown so you can compare accordingly.
Types of Bridging Loans We Offer
Closed Bridging Loan
A fixed repayment date. Ideal if you have a definitive sale or refinance date.
Open Bridging Loan
Flexible repayment date. Useful when exit timing is uncertain.
First Charge Bridging
Lender has first priority over the property. Lower risk for lender, often better terms.
Second Charge Bridging
Existing mortgage in place; bridging sits behind current lender.
Commercial & Development Bridging
For property development, refurbishment projects, mixed-use assets.
Contact usLatest Testimonials
Speak to an expert Mortgage adviser from Trinity Finance
Our specialist mortgage brokers are here to guide you through the entire mortgage and finance process, helping you secure the best mortgage deal tailored to your needs.
Louis Chalk
Associate Director
Emma Taylor
Mortgage Consultant
Omer Mehmet
Managing Director
FAQs
How quickly can I get a bridging loan?
In many cases, bridging loans can complete in as little as 3–5 working days, depending on your circumstances, valuation, and solicitor readiness. With all documents in order, funding within 24–48 hours is sometimes possible.
What can a bridging loan be used for?
Bridging loans are extremely versatile. They can be used for:
- Buying a property before selling your current one
- Funding an auction purchase (where completion must happen fast)
- Property refurbishment or development
- Preventing a chain break in a sale
- Raising capital quickly for business use or cash flow needs
- Short-term refinancing before a mortgage completes
What’s the difference between open and closed bridging loans?
Closed bridging loan: has a fixed repayment date, suitable when your exit (sale or refinance) is guaranteed.
Open bridging loan: has no fixed end date, giving flexibility if your exit timing isn’t certain — for example, if your property sale is in progress but not yet complete.
How much can I borrow on a bridging loan?
You can usually borrow up to 75% Loan-to-Value (LTV) of the property offered as security. In some cases, higher LTVs are possible depending on your exit strategy and experience. Minimum loan amounts typically start around £50,000, with upper limits reaching several million pounds.
Do I need a mortgage broker for a bridging loan?
Yes — bridging loans are specialist products. Working with a regulated broker like Trinity Finance ensures you access the best rates and lenders, all while remaining fully compliant with FCA regulations.
Can I get a bridging loan on an uninhabitable or commercial property?
Yes. Bridging finance can be arranged for unmortgageable, uninhabitable, or commercial properties that mainstream lenders reject. This makes bridging ideal for renovation or development projects.
Do I need an exit strategy for a bridging loan?
Yes — all bridging lenders require a clear and credible exit strategy, such as:
- Sale of the property
- Refinancing onto a long-term mortgage
- Release of other assets or investments
A strong exit plan increases your approval chances and can secure a better interest rate.
Can I get a bridging loan with bad credit?
Yes, possibly. While credit history is reviewed, bridging lenders focus more on the asset value and exit strategy than your credit score. At Trinity Finance, we work with specialist lenders who can consider adverse credit or complex income situations.
What are typical bridging loan interest rates?
Interest rates vary depending on LTV, loan size, property type, and risk profile.
Typical bridging loan rates in the UK range between 0.5% – 1.5% per month (roughly 6% – 18% per year equivalent). We’ll help you find the best deal across our network of trusted lenders.
Are there fees involved in a bridging loan?
Yes — typical costs include:
- Arrangement fee (often 1–2% of the loan)
- Interest (paid monthly or rolled up)
- Valuation fee
- Legal fees
- Broker fee (if applicable)
All costs will be outlined clearly before you proceed — no hidden charges.
What happens if I can’t repay on time?
If you miss your repayment date, additional interest and charges may apply. The lender may also take steps to recover funds from the security property. That’s why Trinity Finance ensures your exit strategy is solid and provides ongoing support throughout your loan term.
Can I repay early without penalty?
Many bridging lenders allow early repayment and will only charge interest for the period the loan was active. Some may apply a small exit fee — we’ll make this clear upfront so you can plan with confidence.
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Ready to explore your bridging loan options?
Contact Trinity Finance today for a free, no-obligation consultation. Tell us your property, exit plan and timescale — we’ll help you find a solution.
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