HTG Mortgages
Bridging Loans
Short-Term Finance Solutions
A bridging loan is a short-term financing option designed to bridge the gap between purchasing a new property and selling an existing one. Ideal for property investors, developers, and those needing quick access to funds when timing is critical.
Our approach.
Why choose HTG Mortgages?
Fast Turnaround
We help you secure funds quickly whether you’re facing tight deadlines or unexpected opportunities. Bridging loans can typically be arranged within days.
Tailored Advice
We take the time to understand your financial situation and objectives, guiding you to the best loan options for your unique circumstances.
Access to Specialist Lenders
Bridging loans aren’t always easy to find on the high street. We work with a network of specialist lenders to ensure you have access to the right mortgages available.
Open & Closed Options
We offer open bridging loans (no set exit strategy) and closed bridging loans (fixed repayment date). First or second charge options available depending on your existing mortgages.
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What is a Bridging Loan?
A bridging loan provides immediate short-term access to funds, typically used to bridge the gap between buying a new property and selling an existing one, for auction purchases, or for property renovations.
How We Can Help
Our experienced team has access to a wide range of bridging loan products from specialist lenders, ensuring we can find the right solution for your unique circumstances.
Why use HTG’s mortgage services?
Monday to Friday 8am to 5pm, Saturday 8am to 1pm
Whole-of-market broker
One adviser from start to finish
Let’s get your mortgage sorted
Frequently Asked Questions
Bridging loans are commonly used when purchasing a new property before selling an existing one, financing auction purchases, or funding property renovations. Auction purchases are the classic example, and my auction property mortgage guide covers how the 28-day deadline shapes the finance.
Bridging loans are designed for speed and can typically be arranged within days, much faster than traditional mortgages.
Bridging loans can be secured against residential, commercial, buy-to-let properties, and even land.
An open bridging loan has no fixed repayment date. A closed bridging loan has a set repayment date, typically when contracts have been exchanged.
Yes. The bridging loan can be either a first or second charge loan, depending on existing loans secured on the property.
Much faster than a mortgage, often a couple of weeks and sometimes less where the legal work is straightforward. Speed is the whole point of the product, and it is usually what people are paying for.
It is how you intend to repay the bridge, normally the sale of a property or refinancing onto a standard mortgage. Bridging lenders care more about the exit than almost anything else, because the loan is short term by design. A vague exit is the most common reason a bridge is declined.
More than a mortgage, and the cost comes in several parts: the interest, an arrangement fee, valuation and legal costs, and sometimes an exit fee. Because it is short term, the total cost matters more than the headline rate, and I will always set the full figure out before you commit.