Fast, flexible short-term finance to bridge the gap between property transactions and time-critical opportunities.
Swift, reliable financing solutions when timing is critical
Get initial decisions within 24 hours and funding in as little as 7 days, perfect for time-sensitive property deals
Tailored loan structures with interest roll-up options, no early repayment penalties, and terms from 1-24 months
Finance solutions for residential, commercial, and mixed-use properties, including non-standard constructions
A streamlined process designed for speed and efficiency
Discuss your financing needs with our bridging specialists who will outline the most suitable options for your situation.
Complete our streamlined application process with minimal documentation requirements for expedited approval.
Our priority property assessment service ensures quick valuation without compromising on thoroughness.
Once approved, receive funds in as little as 7 days, allowing you to move forward with your property transaction.
Tailored solutions to match your specific requirements
For borrowers with a clear exit strategy and a defined repayment date, typically when you have already exchanged contracts on a property sale.
Flexible financing when your exit strategy is less defined, such as when your property is on the market but hasn't yet sold.
When the bridging loan is the primary secured loan against the property, often used when purchasing a new property outright.
When there is already a mortgage or other loan secured against the property, offering access to additional equity without disrupting existing financing.
Strategic short-term financing solutions for various property scenarios
When your ideal home comes along before your current property sells, a bridging loan can help you secure it without losing the opportunity
Secure time-sensitive auction purchases with quick finance that meets tight completion deadlines, typically 28 days from the auction date
Fund property refurbishments, conversions, or development projects with short-term finance until your project is complete and ready for longer-term financing
Purchase non-standard or uninhabitable properties that traditional lenders won't finance, with a view to renovating and making them mortgageable
Use property assets to secure short-term business funding for time-sensitive opportunities, acquisitions, or to manage temporary cash flow challenges
Quickly access equity in your property to clear mortgage arrears and prevent repossession while you arrange a longer-term solution
Transparent terms and competitive rates for your short-term financing needs
| Loan Feature | Details |
|---|---|
| Loan Amount | £25,000 - £5,000,000 |
| Interest Rate | From 0.5% per month (6.0% per annum) |
| Loan Term | 1 - 24 months |
| Maximum LTV | Up to 75% (residential), Up to 70% (commercial) |
| Decision Time | Initial decision within 24 hours |
| Funding Time | As quick as 7 days from application |
| Fees | Arrangement fee from 2%, Valuation fee varies, No early repayment penalties |
*Rates and terms may vary based on individual circumstances and property type. Contact our bridging specialists for a personalized quote.
Apply NowKey requirements for bridging loan approval
The property must be in England, Wales, or Scotland with sufficient equity. We consider residential, commercial, and mixed-use properties, including non-standard constructions.
A defined plan for repaying the loan, typically through property sale, refinancing to a traditional mortgage, or another verified source of funds. The stronger your exit strategy, the better your terms.
Basic ID verification, property details, and exit strategy documentation. Unlike traditional mortgages, we place less emphasis on credit history and income verification, focusing instead on the property's value and your exit plan.
Real experiences from our satisfied bridging loan customers
Property Chain Break
"My dream home came on the market, but my current property hadn't sold. Integra arranged a bridging loan within 10 days, allowing me to secure the new house before someone else did. When my property sold three months later, I repaid the bridge and felt the short-term cost was absolutely worth it to get the perfect home."
Auction Purchase
"I spotted an incredible opportunity at a property auction but didn't have time to arrange traditional financing. Integra's team understood the urgency and arranged a bridging loan in just 5 days. I secured the property at a great price, renovated it over 6 months, then refinanced to a standard mortgage. The property is now worth 40% more than my total investment."
Property Development
"I needed fast financing to convert a commercial property into three residential apartments. Traditional lenders wouldn't consider the project due to its commercial status, but Integra saw the potential. They provided a 12-month bridging loan that covered both purchase and development costs. The project completed on time, I refinanced with a commercial mortgage, and now enjoy regular rental income from all three units."
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about bridging loans
We can typically provide an initial decision within 24 hours and complete the funding within 7-14 days, depending on the complexity of your case and the property involved. For straightforward situations with all documentation ready, we've funded loans in as little as 3 working days.
Common exit strategies include: selling the property, refinancing to a traditional mortgage once the property is renovated or habitable, securing long-term business finance, or using confirmed incoming funds such as inheritance or investment returns. The stronger and more certain your exit strategy, the better terms we can offer.
Bridging loan interest is typically calculated monthly rather than annually and can be structured in different ways: monthly payments, rolled-up interest (added to the loan and paid at the end), or retained interest (deducted from the loan advance). This flexibility helps manage cash flow during the bridging period.
If your exit strategy is delayed, contact us as soon as possible. We can often arrange an extension to your loan term, though additional fees may apply. It's always better to discuss potential delays early rather than waiting until the loan is due for repayment.
Yes, bridging loans are primarily secured against the property rather than based on your credit history. While we do consider credit history, we place more emphasis on the property value and your exit strategy. We've helped many clients with less-than-perfect credit secure bridging finance when traditional lenders wouldn't consider them.
