Tell us about your bridging finance plans

A bridging loan is short-term borrowing secured against property or land. It may be used to bridge a gap between buying, selling, refinancing or completing property works. The loan must be repaid within the agreed term, together with any interest and fees due.

Mortgage Bridge acts as an introducer. We collect details of your enquiry to arrange an introduction to a specialist broker. We do not provide mortgage advice, recommend lenders or make lending decisions.

The broker will assess your circumstances, explain any suitable options and provide advice where appropriate. Submitting an enquiry is not a loan application or a guarantee of acceptance or funding.

Some bridging loans and mortgages are not regulated by the Financial Conduct Authority (FCA). Whether a particular loan is regulated depends on factors including the borrower, the security and how the property will be used.

The broker should explain the regulatory status of any proposed loan and the protections that apply before you decide whether to proceed. Using an adviser acting through an FCA-authorised and regulated firm does not mean every loan they discuss is FCA-regulated.

Completion times vary depending on the lender's checks, valuation, legal work and complexity of the case. A broker can discuss your deadline and help establish whether it may be achievable, but a completion date cannot be guaranteed.

Selecting a funding timescale in the enquiry form tells us when you need the funds; it is not a promise that funding will be available within that period.

An exit strategy is your plan to repay the loan, including interest and fees, by the end of the agreed term. Lenders usually need evidence that this plan is realistic. Possible repayment routes include selling a property or refinancing.

A future sale or refinance is not guaranteed. Refinancing will depend on the property, your circumstances and the lender's criteria at the time. Delays may increase costs and put the property used as security at risk.

Some lenders may consider properties that are not currently suitable for a standard mortgage. This depends on the property's condition, planned works, required borrowing, valuation and repayment strategy.

A specialist broker can assess the circumstances and explain whether any suitable options may be available. Funding is subject to the lender's assessment and approval.

Bridging finance may be an option for some auction purchases. The property, deposit, auction terms, completion deadline and repayment plan will need to be assessed.

Speak to a broker and your solicitor before committing to a purchase. An enquiry or an initial indication from a lender does not guarantee that funds will be available by the auction completion deadline.

Costs may include interest, lender arrangement fees, valuation fees, legal fees and broker fees. Depending on the loan terms, interest may be paid during the term or added to the amount due for repayment. Ask the broker to explain the total cost and repayment amount before proceeding.

If your repayment plan is delayed or fails, additional interest and charges may apply under the loan terms.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Completing this form is an initial enquiry to arrange a broker introduction, not a credit application or a lending decision.

If you proceed, ask the broker or lender to explain any proposed credit searches, whether they are soft or hard searches, and any effect on your credit record before they are carried out.

Mortgage Bridge will contact you about arranging an introduction to a specialist broker. The broker may ask for further information about the property, borrowing requirements, intended use and repayment plan.

The broker will assess your circumstances and explain any suitable options and next steps. There is no obligation to proceed, and an enquiry does not guarantee that a suitable loan will be available.