Raise short-term funds against the equity in a property without disturbing the existing first charge mortgage. Submit your enquiry and an authorised broker will call you back to discuss 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.
Specific scenarios where keeping the first charge in place is the right move.
Where the existing mortgage carries a competitive fixed rate that would be expensive to break — second charge bridging adds capital without disturbing the first charge or triggering early repayment charges.
Investors needing fast capital for the next deposit, refurbishment costs or tax bill can borrow against equity in a property they already own without remortgaging the entire portfolio.
Where the borrower has a known exit — a property under offer, an investment maturing, an inheritance settling — second charge bridging can release short-term funds while the exit completes.
Borrowing against equity behind an existing first charge
A second charge bridging loan sits behind the first charge mortgage already secured against a property. The first charge lender keeps priority — the second charge lender takes a registered second-position security and is repaid after the first charge in any sale or recovery.
Second charge bridging is useful when the existing mortgage carries a competitive rate, has early repayment charges, or simply does not need to be refinanced. The borrower keeps the cheaper long-term mortgage in place and adds short-term capital on top.
Loans run from £25,000 upwards, with maximum 70% LTV on second charge (after accounting for the first charge balance). Both regulated and unregulated cases are considered. The exit is typically the sale of the property, refinance of both charges into a new product, or repayment from another source of funds.
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