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Quick Approval Bridging Loans in Merseyside
Seize opportunities in Merseyside’s dynamic 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 Liverpool, Wirral, and St Helens to act quickly on property deals. Secure funds in as little as 3–7 days for auctions, purchases, or renovations.
What is bridging finance?
A bridging loan is a short-term, secured loan designed to provide immediate funds for property-related transactions until long-term financing or asset sales are arranged. Typically spanning 6 to 18 months, these loans are secured against property or other high-value assets, making them ideal for urgent needs like buying a new home, funding renovations, or securing auction properties in Merseyside’s bustling market.
Key benefits:
- Loan amounts from £20,000
- Terms from 6 to 18 months
- No exit fees on many products
- Rolled-up interest for no monthly repayments
How can a bridging loan in Merseyside help?
Merseyside’s property market is vibrant, offering opportunities from urban regeneration projects in Liverpool to coastal homes in Southport and affordable properties in Knowsley. Bridging loans provide the speed to capitalise on these prospects, supporting:
- Auction purchases: Meet tight deadlines for property auctions in Merseyside, often requiring completion within 28 days.
- Property chain breaks: Purchase your next home in Birkenhead or Formby without delays from your current property sale.
- Renovations: Fund refurbishments in high-potential areas like Bootle to boost property value.
- Commercial investments: Invest in Merseyside’s thriving business hubs, such as Liverpool’s waterfront developments.
With its strong cultural heritage, excellent transport links to Manchester, and growing economic hubs, Merseyside is a prime location for property investment. Bridging loans ensure you stay ahead in this competitive market.
Rates & costs
We offer competitive bridging loan rates starting at 0.55% per month, with typical ranges between 0.55% and 2% per month. Rates are influenced by:
- Loan-to-value (LTV): Lower LTVs (e.g., 50–70%) often secure better rates.
- Property type: Residential properties in Merseyside generally attract lower rates than commercial or mixed-use properties.
- Loan duration: Shorter terms may offer more competitive rates.
- Exit strategy: A clear repayment plan, such as selling a property or refinancing, can lower costs.
Cost overview
| Cost Component | 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, based on property value |
| Exit Fee | £0 – some lenders might have a minimum interest period |
An example
For a £220,000 bridging loan at 0.6% per month over 12 months in Merseyside, the interest would be approximately £15,840 (rolled-up). With a 2% arrangement fee (£4,400), the total repayable amount would be around £240,240, subject to lender terms. Use our online bridge loan calculator for a tailored estimate.
How to apply for a bridging loan in Merseyside
As an FCA-regulated, whole-of-market broker, we simplify the application process to deliver funds quickly. Here’s how it works:
- Calculate costs: Use our online calculator to get an instant repayment estimate.
- Expert consultation: Receive a decision in principle within hours from our Merseyside-savvy team.
- Property valuation: We arrange valuations to confirm loan terms and LTV.
- Funding release: Access funds in 3–7 days, perfect for urgent deals in Wallasey or Crosby.
We collaborate with trusted lenders to offer bespoke solutions, even for complex cases or adverse credit.
Types of bridging finance available
Bridging loans are offered in two main forms to meet diverse needs in Merseyside:
- Closed: Fixed repayment dates, often tied to a confirmed property sale, offering lower rates due to reduced risk.
- Open: Flexible repayment timelines, suitable for uncertain exit strategies but typically at higher rates.
Loans can be first- or second-charge, depending on existing mortgages. Our advisors guide you to the best option for your Merseyside project.
Why choose us?
We are your trusted partner for bridging finance in Merseyside, offering:
- Competitive rates: Exclusive deals starting at 0.55% per month.
- Local expertise: In-depth knowledge of Merseyside’s property market, from Prescot to Halewood.
- Rapid funding: Funds in days for auctions or chain breaks.
- FCA-regulated: Transparent, professional service with a 5-star Trustpilot rating.
Our tailored solutions cater to homeowners, investors, and businesses, ensuring the best deal for your needs.
We provide finance across the UK:
