Email Address :- akram@stgeorgecommercial.co.uk
Downsizing Bridging Loan


Downsizing Bridging Loan
Smooth your transition to a smaller home with fast, flexible bridging finance.
At St. George Commercial Finance Brokers Ltd., we understand that downsizing your home can be a complex process. Our Downsizing Bridging Loan offers a short-term financial solution to help you buy your new, smaller property before selling your current home, eliminating the stress of timing mismatches in the property market.
🔑 What Is a Downsizing Bridging Loan?
A Downsizing Bridging Loan is a short-term loan designed to bridge the gap between purchasing a smaller property and selling your existing home. It helps homeowners avoid the pressure of coordinating sale and purchase dates, providing peace of mind during the transition.
🏠 Who Is It For?
Homeowners looking to move into a smaller property quickly
Retirees seeking a more manageable living space
Families aiming to reduce housing costs or release equity
Buyers needing short-term finance until their existing property sells
✨ Key Benefits:
Fast access to funds to secure your new home
Flexible loan terms from 3 to 12 months
Loan amounts tailored to your equity and purchase price
Competitive rates with transparent fees
Avoid the stress of property chain delays or timing mismatches
📞 Why Choose St. George?
Our experienced brokers work with a wide range of lenders specializing in bridging finance. We guide you through the process, ensuring quick approvals and a smooth transition to your downsized home.

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Ownership of Existing Property
You must own the current property you plan to sell, which will be used as security for the bridging loan.
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Clear Exit Strategy
You need a solid plan to repay the loan, typically through the sale of your existing home within the loan term.
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Loan-to-Value (LTV) Limits
Lenders usually offer up to 75% LTV based on the lower of the current property’s market value or the purchase price of the new home.
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Financial Profile and Affordability
Lenders assess your credit history, income, and overall financial stability to ensure you can manage repayments during the bridging period.
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Property Eligibility
The new property to be purchased should be residential and meet lender requirements, including condition and location criteria.
Need Assistance ?
Whether you need assistance with financing or have a question about our services, our team is here to support you.
- 01273 855 711
- akram@stgeorgecommercial.co.uk