A fast bridging loan is a short-term property finance solution that provides buyers, landlords, and investors with immediate access to capital. In London, where competition for prime property is intense and auction deadlines are strict, bridging loans allow transactions to complete in days rather than months.
These facilities are typically secured against residential, commercial, or mixed-use property and are repaid within 3 to 24 months, either through a property sale or long-term refinancing.
Fast bridging finance is especially relevant in the following scenarios:
Auction Purchases – Meeting tight 28-day completion deadlines.
Chain Breaks – Securing a new London property before an existing one is sold.
Refurbishment Projects – Funding renovations or conversions before arranging a standard mortgage.
Development Opportunities – Bridging the gap between site acquisition and development finance.
Investment Acquisitions – Acting quickly to secure rental properties with strong yield potential.
Fraser Bond advises clients to consider bridging finance when timing is critical and when access to mainstream mortgage products is either delayed or unavailable.
Speed of Completion – Funding in days, compared with weeks or months for mortgages.
Flexibility – Suitable for residential, commercial, and mixed-use assets.
Strategic Advantage – Enables investors to compete for high-demand London properties.
Custom Repayment Options – Interest can be rolled up, retained, or serviced monthly.
Higher Costs – Interest rates and fees are higher than traditional mortgages.
Short-Term Nature – Facilities usually run for 3–24 months only.
Exit Strategy Required – Repayment must be secured through sale, refinancing, or other capital.
Valuation & Legal Fees – These add to the total cost of borrowing and must be budgeted.
At Fraser Bond, we help clients in London and across the UK secure fast bridging finance that supports their property ambitions. Our services include:
Independent Advice – Reviewing bridging loan options to ensure suitability.
Transaction Support – Helping buyers complete on auctions, chain breaks, or development opportunities.
Exit Strategy Planning – Ensuring repayment is achievable and aligned with long-term goals.
Investor Advisory – Structuring bridging loans within wider portfolio and compliance strategies.
By working with Fraser Bond, buyers and investors gain confidence that their short-term property finance is not only fast, but also secure, compliant, and strategically sound.
Explore our property services and finance advisory on FraserBond.com.
