Bridging

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Bridging, Will Writing, Equity Release & Conveyancing are all provided through our network of approved business partners.

Bridging
Explained

Bridging finance is a dynamic and flexible short-term lending solution designed to bridge the gap between a financial need and a more permanent funding solution.

It’s a strategic tool for individuals and businesses seeking quick access to capital to facilitate a property transaction, cover unexpected expenses, or seize time-sensitive investment opportunities.

Bridging
Explained

Bridging finance is a dynamic and flexible short-term lending solution designed to bridge the gap between a financial need and a more permanent funding solution.

It’s a strategic tool for individuals and businesses seeking quick access to capital to facilitate a property transaction, cover unexpected expenses, or seize time-sensitive investment opportunities.

Open
Bridging

Definition: Open bridging loans do not have a fixed repayment date but are generally intended for a short duration, usually up to 12 months.

Usage: Ideal when the borrower is uncertain about the exact timeline for repaying the loan, such as when waiting for the sale of a property.

Closed
Bridging

Definition: Closed bridging loans have a specific repayment date agreed upon at the outset. This type of loan is suitable when the borrower knows when they will have the necessary funds to repay the loan.

Usage: Useful for those who have a clear exit strategy, like awaiting the completion of a property sale or accessing funds from a long-term financing arrangement.

Closed
Bridging

Definition: Closed bridging loans have a specific repayment date agreed upon at the outset. This type of loan is suitable when the borrower knows when they will have the necessary funds to repay the loan.

Usage: Useful for those who have a clear exit strategy, like awaiting the completion of a property sale or accessing funds from a long-term financing arrangement.

Examples of
Bridging Finance Uses

Auction Purchases: If you are looking to secure a property at an auction, and immediate funds are required. Bridging finance provides the quick capital needed to secure the property, and it can later be refinanced with a long-term mortgage.

Examples of
Bridging Finance Uses

Renovations or Developments:

If you plan to renovate a property to increase its value before securing long term financing. Bridging finance can cover the renovation costs, and once completed, the property can be refinanced with a traditional mortgage.

Examples of
Bridging Finance Uses

Renovations or Developments:

Scenario: You plan to renovate a property to increase its value before securing long term financing. Bridging finance can cover the renovation costs, and once completed, the property can be refinanced with a traditional mortgage.

Examples of
Bridging Finance Uses

Buy to Let Investments:

You identify a lucrative buy to let opportunity, but traditional financing timelines are too slow. Bridging finance allows you to quickly secure the property, and later, you can explore long-term financing options

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The Legal Bit...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

*Bridging, Will Writing, Equity Release & Conveyancing are all provided through our network of approved business partners.

Charlie Bridges Mortgages & Protection is a trading name of Charlie Bridges Mortgages & Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. 

Charlie Bridges Mortgages & Protection Ltd. Registered Office Address: 16 Hermes Way, Sleaford, England, NG34 7WH. Registered in England Number: 11888979.

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