Whether you’re purchasing at auction, refurbishing a property, or need short-term finance, our advisers can help you find the right bridging solution.
Contact an adviser for expert bridging finance advice.
Bridging finance is a short-term property loan designed to help you move quickly when traditional mortgage lenders can’t.
Originally used to “bridge the gap” between buying a new property and selling an existing one, bridging finance is now widely used for property purchases, refurbishments, auctions, development exits, and more complex transactions.
At Veracity Financial Planning, we work with a wide range of specialist bridging lenders to help secure fast, flexible finance for property investors, developers, and homeowners.
Bridging loans can be useful in a wide range of situations, including:
Bridging finance can often provide solutions where traditional lending cannot.
Bridging loans are designed for speed and flexibility.
Loan sizes can start from £25,000 and range into the millions, depending on the property and project.
We work with specialist lenders, private banks, and bridging providers to source competitive rates and tailored terms based on your requirements.
Whether you’re funding a simple purchase or a complex refurbishment, we’ll help structure the right deal.
Bridging loans can be either regulated or unregulated.
Regulated bridging applies when the property will be lived in by you or your immediate family. These loans are regulated by the FCA and include affordability checks.
Unregulated bridging is typically used for investment properties, buy-to-lets, commercial buildings, or development projects.
As independent advisers, we can help with both regulated and unregulated bridging finance.
Because bridging finance is short-term, lenders will always want to understand how the loan will be repaid.
This is known as your exit strategy.
Common exit strategies include:
Planning your exit properly is one of the most important parts of a bridging application — and we’ll help you structure this from the outset.
Unlike a standard mortgage, bridging interest is usually shown as a monthly rate.
There are three main ways interest can be paid:
Rolled-up interest
Interest is added to the loan and repaid at the end of the term.
Retained interest
The full interest amount is deducted from the loan at the start.
Serviced interest
Interest is paid monthly, similar to a standard mortgage.
The right option depends on your project, cash flow, and exit plan — we’ll help you decide what works best.
Bridging finance is commonly used to fund property refurbishments, from cosmetic improvements to larger structural works.
Many lenders will support light, medium, and heavy refurbishments, allowing investors and developers to improve a property before selling or refinancing.
This can be a powerful way to add value and unlock better long-term finance options.
We’re proud to support our clients through every stage of their property journey. Here’s what some of them had to say about working with us.
Looking for trusted financial planning, investment advice, pension guidance or mortgage advice? Our team is here to help you make informed financial decisions with clarity and confidence. Arrange an initial consultation with one of our advisers today.
Whatever you’re looking for, Veracity Financial Planning has got you covered.
2b Thackeray’s Lane,
Woodthorpe,
Nottingham,
NG5 4HP
For Pension & Investment advice email:
financialadvice@veracityfp.co.uk
For Mortgage advice email:
mortgageadvice@veracityfp.co.uk
0115 967 0888
