A bridging loan is a short-term secured loan, typically lasting from 3 to 24 months, designed to provide fast access to capital. In the London property market, bridging finance is widely used by buyers, investors, and developers who need to move quickly on opportunities or manage cash flow between transactions.
The London market is highly competitive, with limited time to secure prime property. Bridging loans provide flexibility in scenarios such as:
Auction Purchases – Meeting tight 28-day deadlines to complete.
Chain Breaks – Securing a new London home before selling an existing property.
Refurbishment & Conversions – Funding upgrades before refinancing with a mortgage.
Investment Acquisitions – Acting quickly to secure rental or development opportunities.
Short-Term Finance – Covering tax liabilities, business obligations, or urgent liquidity needs secured against property.
Fraser Bond supports buyers and landlords in structuring bridging solutions that suit both residential and investment strategies.
Speed – Approvals often within days; funds released far faster than mortgages.
Flexibility – Usable across residential, commercial, and mixed-use assets.
Access to Opportunities – Enables participation in competitive auctions and off-market deals.
Tailored Options – Interest can be rolled up, retained, or serviced monthly.
Higher Interest Rates – Bridging finance is costlier than standard mortgages.
Exit Strategy Required – Loans are repayable via property sale, refinancing, or other planned repayment.
Additional Fees – Valuation, legal, and arrangement costs add to the total.
Short-Term Nature – Not suitable for long-term ownership funding.
Fraser Bond ensures every client models the true cost and risk of bridging finance before committing.
Fraser Bond provides bespoke support for property stakeholders in London:
Lender Access – Introductions to trusted bridging loan providers.
Tailored Structuring – Designing bridging solutions around acquisitions, lettings, or development goals.
Compliance Support – Ensuring regulatory obligations are met.
Exit Strategy Planning – Helping clients move seamlessly to refinancing or disposal.
Visit FraserBond.com to discuss bridging finance options tailored to your London property ambitions.
