A bridging loan is a short-term finance solution designed to "bridge the gap" between the sale of one property and the purchase of another, or to provide quick funding for urgent property-related needs.
 

At Keyholder Mortgages, we often help clients in use bridging loans in scenarios like buying a new home before their current one sells, funding property renovations, or securing a property at auction. These loans are typically secured against property and are repaid either when long-term financing is arranged (such as a standard mortgage) or once the property is sold.
 

Bridging loans offer speed and flexibility, with funds available much faster than traditional loans—often within days. They’re available as closed bridging loans (with a set repayment date, like when a sale is pending) or open bridging loans (where repayment timing is less certain).
 

While interest rates are higher than standard mortgages due to the short-term nature, bridging loans can be a strategic tool when used appropriately.

 

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