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Bridging Finance for Short-Term Property Funding

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We work across leading UK banks, building societies and specialist lenders to source finance suited to your goals.

Bridging finance is a form of short-term borrowing often used when funds are needed quickly or when the timing of a purchase and a sale do not line up. It is typically repaid within a shorter period than a standard mortgage. Hunter Capital helps you understand whether bridging may be suitable and how it works.

Who It May Be Suitable For

Buyers purchasing at auction where completion is required quickly

People buying a new home before selling their current one

Investors or developers needing short-term funding for a project

Borrowers needing to resolve a timing gap before longer-term finance is arranged

How It Works

Discuss your situation

We talk through why you need short-term finance and how you plan to repay it.

Review options

We look across the market for bridging options that may fit your timescale and circumstances.

Plan the exit

We help you think through how the bridging loan will be repaid, which is central to any case.

Support the application

We help move the application forward, keeping timing in mind throughout.

How Bridging Loans Can Be Arranged

Bridging finance is a flexible, short-term funding option that can be structured to suit a wide range of property situations. These are the circumstances, terms and key features typically available across the market.

Circumstances

Circumstances & Terms

Bridging loans can be arranged under a wide range of circumstances and terms. Whether you need speed, flexibility or a structure for a more complex case, the options below are not limited to the examples shown.

Common uses

Regulated and unregulated loansChain breaksLimited company applicationsStage payment releasesAuction purchasesNon-mortgageable propertiesProperties requiring refurbishment (light, medium or heavy)Full development bridging

Key

Key Features

Bridging finance is built around flexibility and short-term structure. These are the key features typically available across the market when arranging a bridging loan.

Common uses

6, 12 and 24 month terms availableInterest can be retained, rolled up or servicedRegulated (for personal home) or unregulated loans availableResidential and commercial bridgingWhole-of-market fully advised service available

What Hunter Capital Can Help With

Explaining how bridging finance works
Reviewing options across the market
Helping you think through a realistic exit route
Supporting the application process

Key Considerations

!Bridging finance is short-term and usually more expensive than a standard mortgage
!You need a clear and realistic plan to repay the loan
!Some bridging finance is not regulated by the Financial Conduct Authority
!Speed and certainty of funding can be important factors

Frequently Asked Questions

Bridging finance is designed to be short-term. The exact term depends on the case and the lender. We help you understand the timescales involved and how they fit your plans.

Repayment usually comes from selling a property, refinancing onto a longer-term mortgage, or another source of funds. A clear exit route is essential, and we help you think this through.

Some bridging finance is regulated by the Financial Conduct Authority and some is not, depending on the circumstances. We will explain the position for any option we discuss.

Speak to an Adviser About Bridging Finance

Book a no-obligation consultation to discuss your circumstances and explore what may be possible.

0161 241 0899