Bridge the gap between buying a new home and selling the existing one. Submit your enquiry and an authorised broker will call you back to discuss regulated chain-break bridging options.
The funds you can borrow are capped at 75% of the property value (first charge). If your selection exceeds that, the form will ask you to adjust.
Three simple steps to a bridging loan enquiry.
Tell us how much you need to borrow, the value of the property or land, and your contact details. The form takes about a minute.
A specialist bridging loan broker will call you back to discuss your circumstances, exit strategy and the right product for you.
The broker will review options from a panel of specialist bridging lenders and present quotes that suit your circumstances. There is no obligation to proceed.
£25k+
Loan size from
75%
Max LTV first charge
Days
Funds released in
No
Obligation
Submit your enquiry and an authorised broker will call you back
Specialist bridging brokers can review most case types — including those that have been declined by mainstream lenders.
Different chain-break situations and how bridging fits.
Existing home was under offer, the buyer has withdrawn, but the new home purchase is too far progressed to delay. Bridging completes the new purchase, the existing home goes back on the market, and the bridge is repaid on its sale.
Some movers prefer to buy and move into the new home before putting the existing one on the market — easier viewings, no rush sale, time to renovate the new home before moving in. Bridging makes that sequence possible.
Where the new home is a competitive purchase or a special opportunity that won't wait, bridging removes the dependency on the existing sale and lets the buyer act quickly without losing the deal.
The most common reason for a regulated bridging loan
A property chain forms when one purchase depends on another sale, which depends on another purchase, and so on. Chains break — a buyer pulls out, a seller delays, finance falls through somewhere down the line. Chain-break bridging breaks the dependency: the buyer completes the new purchase using a short-term bridging loan, and repays the loan when the existing property finally sells.
Chain-break bridging is generally classified as a regulated bridging loan because the borrower is buying a property they intend to live in. It carries the same consumer protections as a standard residential mortgage.
Loans range from £25,000 to £25,000,000, with maximum 75% LTV on first charge across both properties combined. The exit — sale of the existing home — needs to be credible: marketing in place, realistic asking price, ideally already under offer.
Specialist brokers have access to lenders, products and processes that are not always available going direct.
Some lenders accept automated valuations on suitable cases, which can shorten the time from application to drawdown when speed of completion matters.
Some bridging products are only available through specialist brokers and are not offered direct to consumers — useful when a standard product does not fit the case.
A specialist broker can present a case to multiple lenders, giving access to a wider set of options than approaching one lender directly. Dual representation may be available on some cases to speed completion.
Submit an enquiry and a broker will call you back to discuss your options.
Submit Enquiry