Bridging Finance & Short-Term Loans
From £100,000–£2,500,000
Secure short-term bridging finance quickly — for auctions, renovations, repossession prevention, or urgent funding needs. Our panel of lenders allows us to find competitive solutions, often producing terms within the hour.
- For residential and commercial
- Payout possible in just 5 days
- Fast decision in principle
- Avoid repossession
This will not affect your credit score
What is Bridging Finance?
Bridging loans are short-term funding solutions, usually arranged for up to 12 months (for regulated bridges). They’re typically used to:
Bridge the gap between buying a property and securing a mortgage
Fund auction purchases without an upfront deposit
Purchase a buy-to-let or investment property
Complete building or refurbishment works
Resolve short-term cashflow challenges
Turn around a project quickly
Developers and landlords often use bridging to refurbish, flip, or expand their portfolios. Because bridging is time-limited, having a clear exit strategy — such as sale or refinance — is essential.
How much can I borrow?
You can access £25,000 to £1,000,000 based on the equity in your properties.
If a single property doesn’t provide enough equity, you may secure the loan across multiple buy-to-let properties (up to 10) in one transaction — unlocking significantly more borrowing power.
With Optimise, bridging funds can often be released within as few as 5 days.
How it works
Quick online application
Tell us about yourself and what you’re looking to achievePersonalised review
We’ll assess your application, compare suitable products, and negotiate with lenders — finding the most competitive options for your circumstancesReceive your finance
If approved, funds are typically released within two weeksThis will not affect your credit score
Customer Review
Repayment options
Bridging loans typically offer two repayment approaches:
Monthly Interest
You pay the interest each month, which keeps the overall balance lower.
Rolled-Up Interest
Interest is added to the loan and repaid at the end of the term. If you repay early, you may pay less interest overall.
Your advisor will help you choose the structure suited to your plans, cashflow and exit strategy.
If you have credit issues
Bridging lenders focus more on the asset and exit strategy than on perfect credit.
Though securing a long-term mortgage afterwards may be more challenging, bridging may still be available even with:
- CCJs
- Recent defaults
- Mortgage arrears
- Newly self-employed status
Why choose Optimise Finance?
Specialist experts
Advisors experienced in both regulated and non-regulated bridging
Panel of competitive lenders
Including niche and specialist bridging providers
Flexible structuring
Single-property or multi-property security options
Fast turnaround
Terms often available within the hour
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