Buy-to-let bridging finance is a short-term loan designed for landlords and investors purchasing or refinancing rental properties in the UK. Unlike long-term buy-to-let mortgages, bridging finance offers fast access to capital, usually for 3 to 24 months, and is repaid through refinancing or property sale.
In London, where competition for high-yield rental stock is intense, buy-to-let bridging loans give investors the speed and flexibility needed to secure properties before moving onto permanent mortgage products.
Auction Purchases – Completing within 28 days when standard mortgages are too slow.
Refurbishment Projects – Funding works to make properties mortgageable or boost rental yields.
Portfolio Expansion – Quickly acquiring multiple properties in high-demand London locations.
HMO Conversions – Financing upgrades before refinancing onto an HMO mortgage.
Refinancing or Capital Raising – Unlocking equity from existing rental assets.
Fraser Bond advises that bridging finance is most effective as a short-term tool for investors with clear exit strategies.
Loan Term – 3 to 24 months.
Interest Rates – Typically 0.5% to 1.2% per month.
Loan-to-Value (LTV) – Up to 75% on residential buy-to-let properties.
Security – Secured against the property being purchased and/or other investment assets.
Exit Strategy – Repayment through refinance onto a buy-to-let mortgage or property sale.
Speed – Funds released in days, ideal for auctions and fast-moving deals.
Flexibility – Suitable for single lets, HMOs, and mixed-use investments.
Rental Growth – Enables landlords to acquire and upgrade properties quickly.
Higher Costs – More expensive than standard buy-to-let mortgages.
Exit Reliance – Repayment depends on refinancing or selling the property.
Short-Term Use – Not a replacement for permanent mortgage finance.
Fraser Bond supports landlords and investors with expert bridging finance advisory:
Independent Guidance – Assessing when bridging finance is right for your portfolio.
Lender Access – Introducing clients to trusted UK bridging providers.
Application Support – Preparing and packaging cases for fast approvals.
Exit Planning – Ensuring smooth transition onto buy-to-let mortgages or sales.
Portfolio Strategy – Helping landlords align bridging finance with long-term investment goals.
With Fraser Bond, landlords gain confidence that their bridging-backed acquisitions will complete on time and deliver sustainable returns. Explore tailored solutions at FraserBond.com.
