Bridging Finance
Fast, Flexible Short-Term Property Funding
At ZigZag Financial, we specialise in providing tailored bridging finance solutions for individuals, investors, and businesses across the UK. Whether you're looking to secure funding quickly to purchase a new property before selling your current one, complete a time-sensitive auction deal, or renovate an investment property, bridging loans offer a fast and flexible option.
What Is Bridging Finance?
Bridging finance, also known as a bridging loan, is a short-term loan designed to "bridge the gap" between the purchase of a new property and the sale of an existing one. These loans are typically secured against property and are ideal for scenarios where traditional mortgages may not be suitable or fast enough.
When Is Bridging Finance Used?
Bridging finance can be used in a variety of situations, including:
- Property Chains: Avoid delays by purchasing your new home before your current property is sold.
- Auction Purchases: Meet strict auction completion deadlines with fast funding.
- Renovation Projects: Fund refurbishments or conversions that are not mortgageable in their current state.
- Land Acquisition: Secure land for development before planning permission is granted.
- Buy-to-Let Investments: Purchase and improve property before refinancing onto a long-term mortgage.
- Business Cash Flow: Release capital tied up in property for business needs.
Key Features of Bridging Loans
- Loan Amounts: Typically from £25,000 to £25 million+
- Term Length: From 1 to 24 months
- Speed: Funds can often be released within 5–14 days
- Security: Usually secured against residential, commercial or mixed-use property
- Interest Options: Rolled-up, retained or serviced monthly
- Credit Flexibility: Adverse credit considered in many cases
Why Choose ZigZag Financial?
As expert UK mortgage brokers, we work closely with a panel of trusted lenders to source the most competitive bridging loan products on the market. Our service includes:
- Independent, whole-of-market advice
- Transparent, no-obligation quotes
- Fast application turnaround
- Ongoing support throughout the process
Whether you're a first-time investor or a seasoned developer, we’ll find a solution that works for your unique circumstances.
Bridging Finance FAQs
How quickly can I get a bridging loan?
Depending on your situation, funds can be released in as little as 5–10 working days.
Do I need to have a property to secure the loan against?
Yes, bridging loans are typically secured against residential, commercial, or land assets.
Can I get a bridging loan with bad credit?
Yes, bridging lenders often take a more flexible approach to credit history than traditional banks.
What is the exit strategy?
This is how you plan to repay the loan—usually through the sale of a property or refinancing to a longer-term mortgage.
Ready to Explore Your Options?
If you need quick access to funding, bridging finance could be the ideal solution. Contact ZigZag Financial today for expert guidance and a free initial consultation.