Bridging Loan
Bridging Loan
Fast, Flexible Short-Term Finance
Need funding quickly to secure a property or cover a short-term cash flow gap? Bridging loans offer a fast and flexible financing solution, ideal for time-sensitive situations where traditional mortgages don’t move quickly enough.
At Alphakey Mortgages, we provide whole-of-market access to regulated and unregulated bridging finance for residential, commercial, and investment purposes. Whether you’re buying before selling, funding renovations, or avoiding a property chain collapse, our expert brokers will source the most suitable solution—quickly and efficiently.
Bridging Loan FAQs
What is a bridging loan?
A bridging loan is a short-term loan typically used to “bridge the gap” between buying a new property and selling an existing one. It can also be used for auction purchases, renovations, or urgent financial needs.
How long can I take out a bridging loan for?
Most bridging loans are arranged for 1–18 months, depending on the purpose and exit strategy. We’ll help you structure the term based on your goals.
What is an exit strategy?
This is how you plan to repay the loan—usually through property sale, refinancing, or other incoming funds. A clear exit strategy is essential.
Can I get a bridging loan with bad credit?
Yes. Many bridging lenders focus on the asset (property) and the exit plan rather than your credit score. We work with specialist lenders who assess cases individually.
How fast can bridging finance be arranged?
In urgent cases, funds can be released in under 10 working days—depending on legal and valuation timelines. We prioritise speed without compromising on advice.
Why Consider a Bridging Loan?
Speedy Access to Funds
Arranged in days, not weeks—helping you act fast when opportunities or challenges arise.
Ideal for Non-Standard Situations
For auction purchases, or uninhabitable properties that need funding before longer-term finance is in place.
Flexible Lending Options
Choose from open or closed bridging loans, with rolled-up interest or monthly repayment options.
For Homeowners, Landlords & More
Ideal if you’re moving home, refurbishing to refinance, or managing a property portfolio.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Specialist Lending
We offer flexible lending solutions for unique situations
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Life Insurance
Protect your family’s future, no matter what.
Insurance & Protection
Personalised cover for life, income, health, home, and more.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Commercial Mortgages are not regulated by the Financial Conduct Authority.