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Bridging Loan Enquiries in Hampshire
Bridging finance is a short-term financial products designed to provide immediate funds, secured against property, until a permanent solution is in place. They’re an excellent choice for time-critical property transactions or investments in Hampshire’s thriving property market, from Southampton’s urban developments to the New Forest’s rural retreats.
Through us, you can access bridging finance with rates starting at 0.55% per month, offering the speed and flexibility needed to capitalise on opportunities.
Benefits of bridging finance
Hampshire’s property market is diverse, catering to first-time buyers, investors, and developers. Bridging loans offer unique advantages for:
- Chain breaks: Secure a new home without waiting for your current property to sell.
- Property upgrades: Fund renovations to increase resale or rental value.
- Auction purchases: Meet tight deadlines for auctioned properties.
- Business opportunities: Cover short-term cashflow needs for property-related ventures.
Loans range from £20,000, making them suitable for a variety of projects, whether in Portsmouth, Winchester, or beyond.
Rates and associated costs
Our bridging loans start at 0.55% per month, with typical rates between 0.55% and 2% per month. Rates depend on:
- Creditworthiness: Bettter credit scores often unlock lower rates.
- Property details: Residential properties may have lower rates than commercial ones.
- Loan-to-value ratio: Lower LTVs can reduce interest rates.
- Repayment plan: A robust exit strategy can lower costs.
Other potential costs include:
- Facility fee: Usually 2% of the loan value.
- Survey fee: For property valuation.
- Solicitor fees: Covering legal work for both parties.
Many loans come with no exit fees, and you can opt to roll up interest, avoiding monthly repayments. Explore costs with our bridging finance calculator.
Bridging finance options
Open bridge Loan
Ideal for flexible repayment timelines, these loans suit scenarios where the exit strategy, such as a property sale, is not yet fixed. They often carry slightly higher rates.
Closed bridging finance
These loans have a set repayment date, making them more affordable for borrowers with a confirmed exit plan, like a completed property sale.
First and second charge options
First-charge loans are secured against properties without existing mortgages, while second-charge loans sit behind an existing mortgage, requiring lender approval.
Why choose us?
We are a trusted broker, connecting you with leading UK lenders to deliver:
- Low rates starting at 0.55% per month.
- Quick access to funds, often within 72 hours.
- Bespoke financing for residential, commercial, or auction properties.
- Professional support from FCA-regulated experts.
Our efficient process ensures seamless funding for your projects across Hampshire, whether in Basingstoke, Farnborough, or the South Downs.
Application process
- Request a quote: Use our online form or calculator for a free quote.
- Initial approval: Get a decision in principle within hours.
- Valuation: A property survey may be arranged.
- Funding: Receive funds after legal and underwriting checks.
Reach out at 0116 402 7982 or apply online to kickstart your bridging loan journey.
We provide finance across the UK:
