Email Address :- akram@stgeorgecommercial.co.uk
Residential Bridging Loan
Residential Bridging Loan
Residential Bridging Loan
Fast, flexible funding for property buyers needing quick access to capital.
A Residential Bridging Loan is a short-term finance solution designed to help homeowners, buyers, and investors quickly purchase or refinance residential property, even before their existing property is sold or their mortgage is arranged. Whether you’re breaking a property chain, buying at auction, or renovating a home, this type of finance offers speed, convenience, and tailored terms.
🧠Key Uses for Residential Bridging Loans
Buying a new home before selling your current one
Downsizing or upsizing with time-sensitive transactions
Auction purchases with 28-day completions
Refurbishing a property before a long-term mortgage is secured
Preventing repossession or clearing short-term debts
Funding probate property purchases
Features of a Residential Bridging Loan
Loan terms from 1 to 24 months
Borrow up to 75% of property value (LTV)
Suitable for owner-occupied and buy-to-let properties
Fast approvals — as quick as 5 to 10 working days
Rolled-up, retained, or serviced interest options
Adverse credit and non-UK residents may be considered
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
What is the criteria of Residential Bridging Loan
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Exit Strategy
You must have a clear and viable exit plan—such as selling the property or refinancing with a mortgage.
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Type of Property
The loan must be secured against a residential property (either your main residence, a second home, or a buy-to-let).
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Loan-to-Value (LTV)
Most lenders allow borrowing up to 75% of the property’s value, though some may consider higher with additional security.
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Creditworthiness
While perfect credit isn’t required, lenders assess your overall financial profile, especially for regulated (owner-occupied) loans.
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Property Location
The property must be located in the UK, and lenders prefer easily saleable or mortgageable properties in strong markets.
Testimonials
"I needed a quick loan to buy my new home before selling my old one. St. George’s team moved swiftly and got my bridging loan approved in just a week!"
"I bought a fixer-upper and couldn’t get a traditional mortgage. St. George arranged a bridging loan that covered the purchase and renovation. Their support was spot-on throughout."
"Being abroad made things complex, but St. George secured a residential bridging loan on my UK flat with ease. Responsive, transparent, and super-fast – couldn’t ask for better."
What is a residential bridging loan?
A residential bridging loan is a short-term loan used to buy or refinance a home quickly—usually while waiting for long-term finance or the sale of another property.
How quickly can I receive funds?
If all documents are in place, funds can be released in as little as 5 to 14 days, depending on valuation and legal checks.
Is this loan only for people buying a new home?
No. It’s also ideal for home renovations, chain breaks, probate purchases, and auction properties that require fast funding.
Do I need to have good credit?
Not necessarily. While lenders assess your overall profile, bad credit bridging loans may still be available based on property value and exit strategy.
Can I get a bridging loan if I live abroad?
Yes. At St. George, we work with lenders who accept UK expats and foreign nationals purchasing or refinancing residential property in the UK.