Fast Bridging Finance Solutions for Property Deals
Access quick, flexible short-term finance to bridge gaps in property purchases, renovations, or investment opportunities.
Access Specialist BTL Lenders
Over 120 UK lenders providing competitive limited company mortgage solutions
Mortgage-Tek connects landlords to lenders who specialise in limited company BTL mortgages. We secure competitive rates,
flexible terms, and expert guidance for property investment and portfolio growth.
Understanding Bridging Finance
Short-term finance to bridge property funding gaps
Bridging finance is a short-term loan designed to “bridge” funding gaps in property transactions. Typically used by investors, developers, or homeowners awaiting long-term finance or the sale of another property. Loans are secured against property and provide rapid access to capital for purchase, refurbishment, or refinancing purposes.
What Lenders Will Assess
Core factors for bridging finance approval
Property Value and Security
Lenders assess property value, location, and condition to determine loan-to-value and suitability as security for bridging finance.
Exit Strategy
A clear exit plan, such as property sale, remortgage, or long-term refinancing, is required for loan approval.
Credit Profile
Credit history is considered, but lenders often focus more on property value and exit strategy than minor credit issues.
Deposit / Loan-to-Value
Deposits typically range from 25–70%, depending on lender, property type, and borrower profile.
Flexible Bridging Finance Options
Solutions for different property and investment needs
Closed Bridging Loans
Fixed repayment period with set exit strategy, ideal for clients with confirmed future finance or property sale date.
Open Bridging Loans
Flexible repayment structure without a fixed exit date, providing maximum flexibility for property investors and developers.
Refurbishment / Development Bridging Loans
Finance for property renovation or development projects, allowing drawdowns in stages based on progress and valuation.
Short-Term Buy-to-Let Bridging Loans
Designed for landlords needing rapid access to capital for property purchases, with repayments aligned to rental income or long-term finance plans.
Is Bridging Finance Right for You?
Ideal for investors, developers, and homeowners needing fast funding
Bridging finance suits individuals or companies requiring rapid access to capital to purchase, refinance, or renovate property without waiting for traditional mortgage approval.
- Property investors needing quick access to purchase funds
- Developers seeking short-term finance for refurbishment or construction projects
- Homeowners waiting for the sale of an existing property
- Landlords purchasing buy-to-let properties rapidly
- Businesses needing short-term commercial property funding
How Much Can I Borrow Calculator
Borrowing based on property value and lender criteria
Loan amounts are usually calculated as a percentage of the property’s market or post-refurbishment value. Mortgage-Tek helps determine the maximum borrowing available while ensuring a feasible exit strategy is in place.
Your Estimated Borrowing Amount
Expert Guidance for Bridging Finance Borrowers
Specialist advice for fast, short-term property funding
Mortgage-Tek guides investors, developers, and homeowners through the bridging finance process,
connecting them to specialist lenders, structuring loans efficiently, and ensuring smooth approval and completion.
Specialist Lender Access
We connect clients with lenders experienced in bridging finance, offering fast approvals, competitive rates, and flexible terms for property transactions.
Rapid Application Process
We streamline applications, liaising with lenders and valuers to secure quick decisions and access to capital within days.
Tailored Finance Solutions
We structure bridging loans for residential, buy-to-let, or development properties, customised to each client’s unique requirements.
Transparent Cost Guidance
We clearly explain interest rates, fees, and repayment terms to ensure clients understand the total cost of borrowing.
End-to-End Support
From application to completion, we manage lender communication, valuations, and documentation for a seamless borrowing experience.
Regulated and Responsible Advice
All advice complies with FCA regulations, providing ethical guidance for clients seeking short-term property finance.
FAQs
How fast can I get a bridging loan?
Typically within 7–21 days, depending on property valuation, lender assessment, and documentation provided.
What deposit do I need?
Loan-to-value ranges from 25–70%, depending on property type, lender, and borrower profile.
Can I use bridging finance for renovations?
Yes, refurbishment loans allow staged drawdowns based on property progress and valuation.
Is credit history important?
While lenders consider credit, the primary focus is property security and a clear exit strategy.
What is the maximum loan amount?
Loan amounts depend on the property’s market or post-refurbishment value, typically up to 70% of value.
Can I get a buy-to-let bridging loan?
Yes, specialist bridging lenders provide solutions for landlords and property investors needing rapid funding.