Short-term property finance refers to loans or funding solutions designed to cover immediate property needs, typically lasting from a few weeks to 24 months. Unlike standard mortgages, these facilities are flexible, fast to arrange, and intended as a temporary solution until longer-term finance or property sale completes.
Fraser Bond advises clients across London and the UK on the best use of short-term finance, balancing speed with compliance and long-term investment goals.
Short-term funding can be critical in time-sensitive transactions:
Auction Purchases – Completing within 28 days when mortgage finance is too slow.
Chain Breaks – Buying a new property before selling an existing one.
Refurbishment or Conversion Projects – Funding works before refinancing with a standard mortgage.
Development Bridging – Supporting land or site acquisitions pending planning approval or longer-term development finance.
Cashflow Management – Covering tax bills, business needs, or temporary liquidity gaps, secured against property assets.
Bridging Loans – The most common form, providing immediate capital secured against property.
Refurbishment Finance – Tailored to light or heavy renovations.
Auction Finance – Pre-approved funds designed for rapid completion deadlines.
Development Bridging – Funding land or site purchase before full construction finance is secured.
Speed – Arranged within days, much faster than traditional mortgages.
Flexibility – Can fund residential, commercial, or mixed-use properties.
Opportunity Access – Enables participation in competitive sales and auctions.
Higher Interest Rates – More expensive than long-term mortgages.
Exit Strategy Required – Must be repaid by sale, refinancing, or other capital source.
Fees & Costs – Arrangement, legal, and valuation fees add to overall cost.
Fraser Bond provides expert support for buyers, landlords, and developers seeking short-term property finance in London and across the UK:
Independent Market Access – Connecting clients with trusted lenders.
Tailored Structuring – Designing finance around investment goals.
Compliance Guidance – Ensuring all regulatory obligations are met.
Exit Strategy Planning – Smooth transition to long-term mortgages or sale.
For bespoke advice and to explore property listings where short-term finance may be relevant, visit FraserBond.com.
