In London’s competitive housing market, properties often move quickly. Buyers who are not mortgage ready risk losing their chosen home to better-prepared bidders. Mortgage delays, lender backlogs, or incomplete applications can stop a transaction in its tracks.
For those who want to secure a property immediately, there are alternative finance solutions that allow you to complete without waiting for a mortgage to be finalised.
Fast short-term finance arranged within days.
Secured against the property being purchased (and sometimes another asset).
Ideal for auctions, chain breaks, or when your mortgage offer is delayed.
Repaid once your mortgage completes or your current property is sold.
Allows you to release equity from your current home by converting it into a buy-to-let mortgage.
Frees capital to fund your next purchase without waiting for a sale.
Tailored loans from specialist lenders offering speed and flexibility.
Often used by investors or high-net-worth buyers who need immediate access to funds.
In some cases, staged payment plans or deferred completions can be negotiated.
More common in off-plan or new-build property transactions.
Speed – Prevents losing a property due to mortgage delays.
Flexibility – Allows participation in auctions and off-market deals.
Certainty – Provides confidence to sellers, making your offer more attractive.
Higher Costs – Bridging loans and short-term finance have higher interest rates than mortgages.
Short-Term Nature – Typically 3 to 12 months, designed only as a stop-gap.
Exit Strategy Needed – Buyers must have a plan to repay via sale, mortgage completion, or refinancing.
At Fraser Bond, we support London buyers, landlords, and investors by arranging alternative finance solutions when mortgages aren’t in place:
Independent Advice – Identifying the right product for your circumstances.
Trusted Lender Access – Connecting clients with bridging and short-term finance providers.
Application Packaging – Structuring cases for quick approval.
Exit Strategy Planning – Ensuring repayment through sale or mortgage completion.
Buyer Advisory – Helping you secure property in London’s competitive market without delays.
If you’re not mortgage ready but want to secure a property, explore tailored solutions at FraserBond.com.
