What is a Bridging Loan
Unlock property opportunities fast with a UK bridging loan. Our guide reveals how to secure short-term finance for any project. Learn the secrets and get your funds quickly. Read the full blog now to leverage your assets!
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Presentation Transcript
What is a Bridging Loan? A bridging loan is a powerful, short-term financing solution designed to "bridge" a gap in capital, typically for a period of up to 24 months. It is an interest-only loan, making it a flexible tool for individuals and businesses with immediate property-based funding needs. Key Features & Flexibility Short-Term & Flexible Terms can range from as little as one week up to two years, providing crucial liquidity exactly when it's needed. Versatile Eligibility We secure bridging finance for a wide range of borrowers, including individuals, UK Limited Companies, Expats, and Offshore Entities. Broad Asset Security Loans are secured against UK property, which can include residential properties, commercial buildings, land (with or without planning permission), and single assets or entire portfolios. Regulatory Status: Regulated vs. Unregulated A loan can be either regulated or unregulated. This depends on whether the property will be used as a dwelling by the borrower or a relative. The Cornerstone of Approval: Your Exit Strategy The most critical element for securing a bridging loan uk is a clear and credible exit strategy. You must demonstrate a sensible and achievable plan for repaying the loan in full at the end of the term. Common Exit Strategies The sale of a property. Refinancing onto a long-term mortgage or commercial loan. Loan Security: First or Second Charge A bridging loan can be arranged as a first-charge mortgage (on a property with no existing debt) or as a second-charge loan (if there is already a mortgage in place that will remain).
