Guide

Bridge now, bank later — or refinance in one move?

Banks optimise for long tenors and payment capacity. This desk offers first-charge facilities at from 12% p.a., typically 50–70% LTV, with no income proof required — built for dated exits, not permanent mortgage pricing.

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Two clocks, two products

Bridging is short-term with a defined exit (bank LO, sale, cash). Refinance here means first-charge takeout or equity release when you will hold the funder facility for the agreed tenor — sometimes with a later bank exit.

Explore: bridging · refinance.

First charge

Why ranking matters for both paths

Either path requires first legal charge. An existing bank charge must be redeemed on completion — you cannot stack a new first charge behind an unmoved senior loan.

Plain English: first charge explained · process.

Choose

Quick decision cues

  • Need funds for <12 months with a dated bank takeout → bridging bias
  • Redeem bank debt and release equity now → refinance bias
  • Bank LO exists but drawdown is late on an SPA → SPA deadline, not generic bridge

FAQ

Common questions

Is bridging more expensive than a bank loan?

Bridging is priced from 12% p.a. indicative for short windows — it is not a long-term mortgage substitute.

Can I bridge then refinance to a bank?

Yes — a dated bank exit is a common bridge structure when title and LTV support it.

Income proof?

Not required on this property-backed desk.

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First charge · from 12% p.a. · typically 50–70% LTV · no income documents required for this path.

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