Landlord bridging loans are short-term property finance facilities designed for landlords who need fast access to capital. Typically lasting 3 to 24 months, they provide funding to buy, refinance, or upgrade rental properties before moving onto long-term buy-to-let mortgages.
In London, landlord bridging loans are particularly valuable when competing for high-demand properties, refurbishing rentals, or expanding portfolios at speed.
Portfolio Expansion – Acquiring new buy-to-let properties quickly, often at auction.
Refurbishment – Upgrading or converting properties to increase rental yield and capital value.
Refinancing – Raising short-term capital against existing property.
HMO Conversions – Funding works before refinancing onto an HMO mortgage.
Exit Finance – Covering short-term gaps while awaiting sales or long-term finance.
Fraser Bond advises landlords that bridging finance works best as a strategic tool to unlock opportunities before shifting to stable long-term lending.
Loan Term – 3 to 24 months.
Interest Rates – Typically 0.5% to 1.2% per month.
Loan-to-Value (LTV) – Up to 75% on London residential investment properties.
Security – Secured against buy-to-let properties, HMOs, or portfolios.
Exit Strategy – Repayment through sale, refinancing, or portfolio restructuring.
Speed – Funds available in days, ideal for auctions and chain breaks.
Flexibility – Suitable for residential, HMO, and mixed-use landlord portfolios.
Rental Growth – Finance upgrades to drive higher yields.
Higher Costs – More expensive than standard buy-to-let mortgages.
Exit Dependence – Repayment relies on a clear refinancing or sale strategy.
Short-Term Only – Designed to bridge gaps, not replace long-term finance.
At Fraser Bond, we provide landlords and investors with expert bridging finance support:
Independent Advice – Assessing when bridging finance is right for your portfolio.
Trusted Lender Access – Connecting landlords with specialist UK providers.
Application Support – Structuring and presenting cases for fast approval.
Exit Planning – Ensuring refinancing or sales are achievable and profitable.
Investment Advisory – Helping landlords optimise returns from bridging-backed acquisitions or refurbishments.
To explore landlord bridging loan solutions tailored to London property, visit FraserBond.com.
