Bridging Lower cost
- Day-one facility
- £0
- Works funded
- £0
- Your cash in
- £0
- Total finance cost
- £0
- Profit at exit
- £0
- Return on your cash
- 0%
- Time to draw
- 5–10 days
Bridging Loans
Welcome to YFA, a specialist UK broker for bridging loans—short-term property finance designed for speed, flexibility, and opportunity. Whether you’re buying before selling, funding a refurbishment, or securing a property at auction, our expert team can help you access fast finance with competitive terms. We work with private banks, specialist lenders, and family offices to find the best short-term finance for your situation—ensuring your deal moves forward without delays.
Why Use YFA for Bridging Loans
Speed & Certainty: We work with lenders who can act fast—ideal for auction purchases, investment deadlines, or time-critical opportunities.
Independent Access: As a whole-of-market broker, we source from over 100 bridging lenders—not just the high street.
Tailored Structuring: From first and second charges to bridging-to-let, we structure finance based on your exit plan.
Complex Cases Welcome: We specialise in non-standard scenarios, including unmortgageable properties, planning potential, and company structures.
Hands-On Support: Your dedicated advisor handles everything—lender negotiation, valuations, legals, and drawdown.
Bridging Loan Calculator
Estimate the gross facility, the net advance that reaches your solicitor and the redemption figure — before you speak to a lender.
£
£
Held back on day one. Nothing to pay monthly.
Gross facility
£0
0% LTV · indicative rate 0.85% per month
- Net advance to you£0
- Arrangement fee£0
- Retained interest£0
- Monthly payment
- £0
- Total cost of finance
- £0
- Redemption at month 12
- £0
Adjust rate and fees
The rate above is set automatically from your LTV. Type over it to model a specific lender quote.
£
£
£
On these figures
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Development finance Lower cost
- Day-one facility
- £0
- Works funded
- £0
- Your cash in
- £0
- Total finance cost
- £0
- Profit at exit
- £0
- Return on your cash
- 0%
- Time to draw
- 4–8 weeks
Adjust rates, leverage and fees
Defaults reflect typical current UK market terms. Both routes assume a 2% arrangement fee and interest rolled up onto the drawn balance, with build funded in arrears. Development finance adds a monitoring surveyor. Stamp duty, contingency and professional fees on the build are excluded.
Estimates only, not a quotation, illustration or advice, and not an offer of finance. Actual terms depend on the security, your circumstances and each lender's criteria. Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Buy-to-let, commercial and most development lending is not regulated by the Financial Conduct Authority. Your Financial Assurance Ltd is Authorised and Regulated by the Financial Conduct Authority. FRN 1052118.
What Is a Bridging Loan?
Bridging loans are short-term loan secured against property or land, used to “bridge the gap” between transactions. It's commonly used for buying a new property before your current one sells, refurbishing a property before refinancing, or seizing time-sensitive opportunities such as auctions.
How to Get a Bridging Loan
We begin with a quick consultation to understand your project, timeframes, and exit strategy. Then we match you with suitable lenders, negotiate the best terms, and manage the entire application and legal process—ensuring your funds arrive fast and hassle-free.
What Could You Borrow?
Use our bridging finance calculator to estimate loan size, interest costs, and potential fees based on your property value and timeframe. For a bespoke quote and funding timeline, speak with our advisors today.
Is a Bridging Loan Right for You?
Bridging loans are ideal for short-term needs—but they’re not right for everyone. We’ll assess your situation carefully and only recommend a solution if it’s clearly in your best interest. Transparency and responsible lending are at the heart of what we do.
Representative Loan Cost Example
Bridging loans have an estimated representative monthly interest rate of 0.5% - 2% (monthly) for informational purposes only. The actual rate you receive depends on your personal circumstances, the loan amount, and the LTV of the property used as security. A clear exit strategy is required.
Bridging Loans FAQ
What are bridging loans used for?
Bridging loans provide short-term finance for property purchases, renovations, auction purchases, or when timing doesn’t align between buying and selling properties.
How quickly can I get bridging finance?
Bridging loans can complete in days rather than weeks, making them ideal for auction purchases or urgent property transactions where speed is essential for securing the deal.
What are the costs involved?
Bridging loans have higher interest rates (typically 0.5-2% monthly) plus arrangement fees, legal costs, and valuation fees. Exit strategy planning is crucial for cost management.
What exit strategies do lenders accept?
Common exit strategies include property sales, refinancing to standard mortgages, development completion sales, or raising long-term finance. Clear exit plans are essential for approval.
Can I get bridging finance for auction properties?
Yes, bridging loans are ideal for auction purchases where exchange and completion happen simultaneously. We can arrange pre-approved facilities before auction attendance.
What security do lenders require for bridging loans?
Bridging loans are typically secured against property (first or second charges). Some lenders may require additional security or personal guarantees for higher-risk scenarios.
Will Your Financial Assurance be my best option?
Your Financial Assurance has grown from strength to strength, offering not only great deals but also full customer support. Help is just a phone call away whenever you have questions — YFA is always there for you. Don’t just take our word for it; check out our Trustpilot reviews and see for yourself!
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