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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Bridging Finance From a Derby Team
Our team live and work locally, and our office is at Pride Park in Derby. We help homeowners, landlords, developers and businesses across Derbyshire, the East Midlands and the rest of the UK.
A bridging loan is a short-term loan secured on property. It fills the gap until your long-term money arrives, such as a sale or a new mortgage. It costs more than a normal mortgage, so we only suggest it when speed matters.
What You Can Use a Bridging Loan For
Chain breaks
Buy your next home before your current one sells, so you do not lose it.
Auction purchases
Most auctions need you to complete within 28 days. Bridging can move that fast.
Refurbishments
Buy a property a normal lender will not touch, do the work, then refinance or sell.
Commercial property
Fund a business purchase or cover a gap while longer-term finance is arranged.
Land and development
Buy land or a site while planning or the build finance is sorted.
Non-status cases
Some lenders focus on the property and your exit, not payslips or tax returns.
Need to Move Fast?
Call us and we will tell you quickly what is possible and what it could cost.
Is a Bridging Loan Right for You?
It can be a good fit if
- You need money quickly for a property deal
- You have a clear way to repay, such as a sale or a remortgage
- You have enough equity in the property
- The deal is worth the extra cost
Things to think about
- Interest rates are higher than on a normal mortgage
- There are often fees to set up and to exit
- If your sale or remortgage falls through, you may struggle to repay
- Your property is at risk if you cannot repay
How It Works
Get in touch
Call us or send an enquiry with the property, the amount you need and when.
First chat
We look at your plans and your exit, and tell you what is realistic.
Find the right lender
We compare bridging lenders and explain the rates, fees and terms.
Application to funds
We handle the valuation, the lender and the solicitors to get the funds to you on time.
More Property and Business Finance
Why Choose Mortgage & Finance Arena
Local advisers
Our team live and work locally and know the local market.
Whole of market
We compare bridging lenders across the market.
Speed
We know which lenders can move fast when time matters.
Plain English
We explain every rate, fee and risk before you commit.
We handle the paperwork
We deal with the lender, valuer and solicitors for you.
FCA regulated
Mortgage & Finance Arena Ltd is authorised and regulated by the FCA (No. 706676).
Bridging Loan FAQs
A short-term loan secured on property. It fills the gap until your long-term money arrives, such as the sale of a property or a new mortgage.
Most lenders lend up to 75% of the property value, and sometimes 80% for strong cases. Loans usually start from £25,000.
Usually from 1 to 24 months. Most run for 6 to 12 months.
It depends on the valuation and the legal work. Many deals complete in a few weeks, and auction deals can complete within 28 days.
It is how you will repay the loan. Common exits are selling a property or moving onto a normal mortgage. Lenders need to see a clear exit before they lend.
Not always. Some lenders focus on the property and your exit rather than payslips or tax returns. You still need to show how you will repay.
A bridging loan on a home you or your family live in is regulated by the Financial Conduct Authority. Loans for business or investment property are usually not regulated.
Ready to Talk?
Tell us about the deal and one of our Derby team will call you back.
Your home or property may be repossessed if you do not keep up repayments on a loan secured against it. Think carefully before securing other debts against your home. Some bridging loans are not regulated by the Financial Conduct Authority. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).
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Honest opinions from people like you
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.