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Why compare bridging loans

Compare loans from an extensive panel of lenders and ensure you get the most suitable loan option tailored to your personal needs.

You can compare bridging loans from the UK's biggest brands

Considering a bridging loan? Let’s explore your options

We've teamed up with Fluent Money, who work with a range of lenders to offer the best solution for your needs. If you would like to discuss your options, provide us with a few details and receive free expert advice from Fluent Money.

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What are bridging loans?

Bridging loans are short-term loans designed to “bridge the gap” until permanent financing or the sale of an asset is in place. They are often used to complete a property purchase quickly or cover an urgent expense.

Repayment usually occurs in full once your financial situation stabilises — for example, after selling a property or securing a mortgage.

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Who are bridging loans for?

Bridging loans can be useful for a variety of people and situations, including:

  • Homebuyers caught in a property chain delay

  • Property developers looking to fund renovations before resale

  • Landlords expanding their property portfolio

  • Businesses needing quick access to capital

  • Individuals who need fast funds secured against property

They are designed for short-term needs, so they may not suit everyone.

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What to consider before taking a bridging loan

  • Can you realistically repay the loan once your property is sold or long-term finance is arranged?

  • Do you fully understand the costs, including interest, arrangement fees, and legal charges?

  • Is there a clear repayment strategy in place to avoid penalties?

  • Would other options, such as remortgaging, suit your situation better?

Bridging loans can be effective, but they should only be used where there is a clear exit strategy.

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Get fast access to funds with bridging loans

If you need short-term finance to cover a gap before longer-term funding is in place, a bridging loan could provide the solution. Whether you’re buying a new property before your current one sells, funding renovations, or managing cash flow for a business, bridging loans can deliver funds quickly when time is critical.
At MoneySpider, we make it easy to understand how bridging loans work and compare your options.
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Types of bridging loans

There are two main types of bridging loans:

  • Open bridging loans – these have no fixed repayment date but usually must be repaid within 12 months.

  • Closed bridging loans – these have a set repayment date, often tied to a specific event such as the sale of a property.

The right type for you will depend on your financial goals and when you expect to repay.

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FAQ

Need more help?

Bridging loans are often arranged much faster than mortgages, sometimes within a few days, depending on the lender.
Most bridging loans are secured against property, either residential or commercial.
Typically from a few weeks up to 12 months, though some lenders may offer slightly longer terms.
They usually have higher interest rates than traditional loans because they are short-term and flexible.
Yes, businesses often use them to cover short-term funding needs, such as cash flow gaps or property investment.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it. 

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