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Quick Access Bridging Loans in Buckinghamshire
Seize opportunities in Buckinghamshire’s thriving property market with bridging loans from bridgingloans.co.uk. With rates starting at 0.55% per month, our flexible, short-term finance solutions empower homeowners, investors, and developers in areas like Aylesbury, High Wycombe, and Amersham to act swiftly on property deals. Get funds in as little as 3–7 days for auctions, renovations, or chain breaks.
What is bridging finance?
A bridging loan is a short-term, secured loan designed to provide immediate funds for property-related transactions until longer-term financing is secured or an asset is sold. Typically spanning 6 to 18 months, bridging loans are ideal for urgent scenarios, such as buying a property at auction, funding renovations, or resolving property chain issues. Secured against property, they offer flexibility even for those with complex financial profiles.
Key benefits:
- Loan sizes amounts from £20,000
- Terms from 6 months to 18 months
- No exit fees on select products
- Rolled-up interest for no monthly payments
Why bridging loans in Buckinghamshire?
Buckinghamshire’s property market is diverse and competitive, encompassing affluent areas like Beaconsfield, Marlow, and Gerrards Cross, as well as growing hubs like Milton Keynes. Whether you’re eyeing a historic home in the Chiltern Hills or a commercial property in High Wycombe, bridging loans provide the speed to secure deals in this fast-moving market. Use cases include:
- Auction purchases: Meet tight deadlines for property auctions in Buckinghamshire, often requiring completion within 28 days.
- Chain breaks: Purchase your next home in Chesham or Princes Risborough without delays from your current property sale.
- Development projects: Fund renovations or conversions in sought-after areas like Amersham to boost property value.
- Business investments: Capitalise on commercial opportunities in Milton Keynes’ booming tech and business sectors.
With excellent connectivity to London and a robust local economy, Buckinghamshire is a prime location for property investment. Bridging loans ensure you stay ahead in this dynamic market.
Bridging loan rates & costs
We offer some of the UK’s most competitive bridging loan rates, starting at 0.55% per month, with typical ranges of 0.55% to 2% per month. Rates are influenced by:
- Loan-to-value (LTV): Lower LTVs (e.g., 50–70%) often yield lower rates.
- Property type: Residential properties in Buckinghamshire generally attract better rates than commercial properties.
- Exit strategy: A clear repayment plan (e.g., property sale or refinance) can reduce costs.
- Credit profile: Bridging loans are accessible even with adverse credit, focusing on asset value.
Cost overview
| Rate/fee | Details |
| Monthly Rate | 0.55%–2% (e.g., 0.6% monthly = 7.2% annual equivalent) |
| Arrangement Fee | 2% of the loan amount |
| Valuation Fee | £500–£2,500, depending on property value |
| Exit Fee | £0 – Some lenders might have a minimum interest period |
Calculation example
For a £250,000 bridging loan at 0.6% per month over 12 months, the interest would be approximately £18,000 (rolled-up). With a 2% arrangement fee (£5,000), the total repayable amount would be around £273,000, subject to lender terms. Use our bridging finance calculator for a tailored estimate.
How to secure a bridging loan in Buckinghamshire
As an FCA-regulated, whole-of-market broker, we simplifie the process to deliver fast results. Here’s how it works:
- Estimate costs: Use our online calculator to get an instant repayment quote.
- Expert consultation: Receive a decision in principle within hours from our Buckinghamshire-savvy team.
- Property valuation: We arrange valuations to confirm loan terms and LTV.
- Funding: Access funds in 3–7 days, perfect for urgent deals in Marlow or Aylesbury.
We partner with trusted lenders to offer bespoke solutions, even for complex cases.
Types of bridging finance
Bridging finance comes in two primary forms to suit different needs in Buckinghamshire:
- Closed bridging loans: Fixed repayment dates, often linked to a confirmed property sale. Lower rates due to reduced lender risk.
- Open bridging finance: Flexible repayment timelines, ideal for uncertain exit strategies but typically at higher rates.
Loans can be first- or second-charge, depending on existing mortgages. Our advisors help you select the best fit for your Buckinghamshire project.
Why choose us?
We are your trusted partner for bridging finance in Buckinghamshire, offering:
- Competitive rates: Access exclusive deals starting at 0.5% per month.
- Local expertise: In-depth knowledge of Buckinghamshire’s property market, from Beaconsfield to Bletchley.
- Rapid funding: Funds in days for time-sensitive opportunities.
- FCA-regulated: Transparent, professional service with a 5-star Trustpilot rating.
Our tailored solutions cater to homeowners, investors, and businesses, ensuring you get the best deal.
We provide finance across the UK:
