Updated October 2026 · Fraser Bond
Property finance · Fraser Bond
Landlord Bridging Loans
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Tell us how much you need, what it's for, the property or security involved, your timescale and how you plan to repay. Our team will come back to you about the options.
Costs at a glance
Most bridging interest is rolled up or retained. Add valuation and legal fees.
The guide
What Are Landlord Bridging Loans?
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.
When Landlords Use Bridging Finance
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Portfolio Expansion – Acquiring new buy-to-let properties quickly, often at auction.
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Refurbishment – Upgrading or converting properties to increase rental yield and capital value.
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Refinancing – Raising short-term capital against existing property.
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HMO Conversions – Funding works before refinancing onto an HMO mortgage.
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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.
Features of Landlord Bridging Loans
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Loan Term – 3 to 24 months.
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Interest Rates – Typically 0.5% to 1.2% per month.
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Loan-to-Value (LTV) – Up to 75% on London residential investment properties.
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Security – Secured against buy-to-let properties, HMOs, or portfolios.
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Exit Strategy – Repayment through sale, refinancing, or portfolio restructuring.
Benefits and Risks
Benefits
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Speed – Funds available in days, ideal for auctions and chain breaks.
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Flexibility – Suitable for residential, HMO, and mixed-use landlord portfolios.
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Rental Growth – Finance upgrades to drive higher yields.
Risks
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Higher Costs – More expensive than standard buy-to-let mortgages.
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Exit Dependence – Repayment relies on a clear refinancing or sale strategy.
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Short-Term Only – Designed to bridge gaps, not replace long-term finance.
Fraser Bond – Bridging Loan Advisory for Landlords
At Fraser Bond, we provide landlords and investors with expert bridging finance support:
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Independent Advice – Assessing when bridging finance is right for your portfolio.
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Trusted Lender Access – Connecting landlords with specialist UK providers.
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Application Support – Structuring and presenting cases for fast approval.
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Exit Planning – Ensuring refinancing or sales are achievable and profitable.
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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.
What to have ready
Important: your home or property may be repossessed if you do not keep up repayments on a loan secured on it. Bridging loans secured on a home you or your family live in are regulated and must be arranged by an FCA-authorised firm.
Frequently asked questions
How fast can finance complete?
Bridging can complete in days to weeks, depending on valuation and legal work.
What is an exit route?
How the loan will be repaid, usually by selling or refinancing.
Can Fraser Bond help?
Yes. Send us an enquiry and we'll talk you through the options.
Ready to talk finance?
Tell us what you need and our team will be in touch.
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