Why choose us for bridging finance?
- Best bridging loan rates
- Expert advice
- Fast approval
- Instant quotes
- Rated excellent on Trustpilot!
- Open 7 days till late
How do I get a quote?
← Fill in the form and we will call you back.
← We usually respond within minutes.
Rapid Funding With Bridging Loans in Oxfordshire
Seize opportunities in Oxfordshire’s thriving property market with bridging loans from bridgingloans.co.uk. Offering rates from 0.55% per month, our flexible, short-term finance solutions empower homeowners, investors, and developers in Oxford, Banbury, and Abingdon to act swiftly on property deals. Secure funds in as little as 3–7 days for auctions, purchases, or renovations.
What is a bridging loan?
A bridging loan is a short-term, secured loan designed to provide immediate funds for property 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 purchasing a new home, funding renovations, or securing auction properties in Oxfordshire’s competitive 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
Why choose bridging loans in Oxfordshire?
Oxfordshire’s property market is diverse, offering opportunities from historic homes in Oxford’s city centre to modern developments in Bicester and rural properties in the Cotswolds. Bridging loans provide the speed to capitalise on these prospects, supporting:
- Auction purchases: Meet tight deadlines for property auctions in Oxfordshire, often requiring completion within 28 days.
- Property chain breaks: Purchase your next home in Henley-on-Thames or Witney without delays from your current property sale.
- Renovations: Fund refurbishments in high-demand areas like Thame to boost property value.
- Commercial investments: Invest in Oxfordshire’s thriving business hubs, such as Oxford’s science and tech parks.
With its proximity to London, world-class universities, and strong economic growth, Oxfordshire is a prime location for property investment. Bridging loans ensure you stay competitive in this dynamic 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 Oxfordshire 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
| Rates/fee’s | 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 |
Example calculation
For a £250,000 bridging loan at 0.6% per month over 12 months in Oxfordshire, 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 online bridging loan calculator for a tailored estimate.
How to apply for a bridging loan
As an FCA-regulated, whole-of-market broker, we streamline the application process to deliver funds quickly. Follow these steps:
- Calculate costs: Use our online calculator to get an instant repayment estimate.
- Expert consultation: Receive a decision in principle within hours from our Oxfordshire-focused 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 Didcot or Kidlington.
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 Oxfordshire:
- Closed: Fixed repayment dates, often linked 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 Oxfordshire project.
Why choose us for a bridging loan in Oxfordshire?
We are your trusted partner for bridging finance in Oxfordshire, offering:
- Competitive rates: Exclusive deals starting at 0.55% per month.
- Local expertise: In-depth knowledge of Oxfordshire’s property market, from Wallingford to Chipping Norton.
- 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:
