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Short-Term Finance

Bridging Loans — speed when it matters

Short-term secured finance, built for moments that won't wait. Auction deadlines, chain breaks, renovation projects — put your deal in front of providers that fit, all in one place. Glender's smart matching can introduce you to providers who offer bridging finance.

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Short-term
Secured lending
Secured
Against property
1–36
Term (months)
Indicative
Timescales vary by case
Understanding Bridging

What is a bridging loan?

A bridging loan is a short-term secured loan designed to "bridge" the gap between a property purchase and longer-term financing or sale. They are secured against property and typically last from one to thirty-six months.

Buying at auction, breaking a property chain, or funding renovations before refinancing — bridging finance delivers speed and flexibility that traditional mortgages rarely match. Rates, fees and loan-to-value limits vary between providers and depend on the full circumstances of each case. The relevant provider confirms all costs after its assessment.

  • ✓ First and second charge options available
  • ✓ Residential, commercial, and mixed-use property
  • ✓ Interest rolled up — no monthly payments
  • ✓ Loans from £50,000 to £25,000,000
  • ✓ Individuals, SPVs, and limited companies

Common Use Cases

Auction Purchases
Some providers may be able to complete quickly, subject to valuation, legal work, due diligence and the lender.
Chain Breaks
Secure your purchase without waiting for your sale to complete
Refurbish & Refinance
Buy, add value, then remortgage onto a long-term product
Unmortgageable Property
Finance properties that high-street lenders decline
Why Glender

Key features

One enquiry, intelligently matched. Glender can introduce you to providers who offer bridging finance.

⚡
Fast Completion Potential
When the clock is ticking, speed counts. Some providers may be able to complete quickly, subject to valuation, legal work, due diligence and the lender. Glender's smart matching helps surface potential providers for your enquiry.
📈
Indicative Rates
Rates, fees and loan-to-value limits vary between providers and depend on the full circumstances of each case. The relevant provider confirms all costs after its assessment.
💰
Rolled-Up Interest
No monthly repayments to juggle. Interest is added to the loan and settled when the bridge is redeemed — keeping your cash flow free to drive the project forward.
🏠
All Property Types
Residential, commercial, mixed-use, land, and even semi-derelict properties. Providers may consider a range of property types and borrower profiles.
👥
Flexible Borrowers
Individuals, partnerships, limited companies, SPVs, offshore entities, and trusts. Providers may consider a range of property types and borrower profiles. Adverse credit may limit availability, increase costs or reduce the amount offered.
🌐
Wide Provider Network
One enquiry reaches a wide network of bridging providers. Glender can introduce you to providers who offer bridging finance — no chasing, no repeating yourself.
How It Works

Four steps to funded

From enquiry to completion, you stay in control. Glender helps connect you with potential providers.

1
Tell Us About Your Deal
Complete our 2-minute application. Property details, loan amount, and exit strategy.
2
AI-Powered Matching
Our smart matching engine compares your enquiry with criteria supplied by participating providers and surfaces potential matches in seconds.
3
Compare & Accept
Interested providers can respond with indicative terms, side by side. You choose the offer that works for your project — you're in control.
4
Completion
Solicitors instructed, valuation booked, funds released. Some providers may be able to complete quickly, subject to valuation, legal work, due diligence and the lender.
Eligibility

Who can apply?

Bridging finance is available to a wide range of borrowers. Unlike high-street mortgage applications, the focus is often on the property and the exit strategy rather than personal income. Providers may consider a range of property types and borrower profiles.

  • ✓ UK and international individuals (aged 18+)
  • ✓ Limited companies and SPVs
  • ✓ LLPs and partnerships
  • ✓ Trusts and pension funds
  • ✓ Adverse credit considered on a case-by-case basis

What you'll need

  • ● Property details (address, value, condition)
  • ● Loan amount required and purpose
  • ● Clear exit strategy (sale, refinance, or development)
  • ● Proof of identity and address
  • ● Proof of deposit or equity
  • ● Solicitor details (we can recommend one)
FAQ

Frequently asked questions

Some providers may be able to complete quickly, subject to valuation, legal work, due diligence and the lender. Timescales depend on property type, legal complexity, and how quickly you can provide documentation. Glender helps connect you with potential providers.
Rolled-up interest means you do not make monthly payments during the loan term. Instead, the interest accrues and is added to the loan balance, then settled in full when the bridge is redeemed (repaid). This keeps your cash flow free for renovation works or other costs.
An exit strategy is your plan for repaying the bridge. Common exits include selling the property, refinancing onto a standard mortgage or buy-to-let product, or using funds from another property sale. Lenders assess the viability of your exit before approving the loan, and the strength of your exit can affect the rates and loan-to-value a provider may consider.
Some providers consider adverse credit, including CCJs, defaults, missed payments, and discharged bankruptcy. Adverse credit may limit availability, increase costs or reduce the amount offered. Bridging finance is primarily asset-based — the property and exit strategy are weighed alongside your credit history.
Fees may include an arrangement fee, valuation fee, legal fees (lender and borrower solicitors), and a platform fee. Some lenders charge an exit fee. Rates, fees and loan-to-value limits vary between providers and depend on the full circumstances of each case. The relevant provider confirms all costs after its assessment.
A first charge bridge is secured as the primary loan against the property (no existing mortgage). A second charge sits behind an existing first charge mortgage. Second charge bridging lets you release equity from a property you already own without disturbing your existing mortgage — ideal for raising a deposit on a new purchase.

Ready to bridge the gap?

Tell us about your deal and get matched. Glender can introduce you to providers who offer bridging finance — in one place, in under two minutes.

Submit an enquiry → Calculate Costs