Where an existing bridging loan is approaching expiry but the original exit has not yet completed, a re-bridge gives more time to land the right outcome. Submit your enquiry and a broker will call you back.
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.
Typical situations where a re-bridge is the right step.
The property is on the market but has not yet sold at the right price. A re-bridge gives time for the right buyer rather than forcing a discounted sale to meet the original loan's expiry date.
The borrower has applied for the long-term mortgage that will repay the bridge, but the application is taking longer than anticipated. A re-bridge keeps everything in place until the refinance lands.
Refurbishment or development works have run over schedule and the property is not yet in mortgageable condition. A re-bridge funds the remaining works and the exit shifts to the post-works refinance or sale.
When the original bridge has not yet exited
A re-bridging loan replaces an existing bridging loan with a new one. It is used where the original facility is at or near the end of its term but the planned exit — sale, refinance, completion of works — has not yet happened. Without a re-bridge the borrower would face default interest, lender pressure or forced sale.
Common reasons include refurbishment running over schedule, planning decisions taking longer than expected, sales markets softening so the property has not yet sold at the right price, or the long-term refinance not yet being in place. A re-bridge is not a sign of failure — it is a recognised cashflow tool in the bridging market.
Loans run from £25,000 to £25,000,000. Maximum 75% LTV on first charge, 70% on second charge. Both regulated and unregulated cases are considered. Adverse credit and historic re-bridging history are reviewed case-by-case.
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