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Short-term bridging loans

The best deals won't wait around, so why should your clients? Our short-term bridging loans let clients move with the market – whether it's securing their dream home or moving quickly on an investment opportunity.

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Why opt for short-term finance?

When you can't afford to wait, choose a short-term bridging loan. We specialise in offering financial support regardless of time or circumstance.

  • Loans can be secured against nearly any property with any use, including residential, commercial, and land.
  • Proof of income is not always required.


  • Applications are approved in days, not weeks.
  • All deals are bespoke to the client and tailored to their needs.

Why choose Vantage?

  • Rates from as little as 0.43%.
  • Up to 80% LTV and 100% with additional security.
  • Loans up to £30 million+


  • Terms from 1 day to 23 months.
  • Fantastic commission rates for introducers.
  • Adverse credit considered.


When does bridging work?

  • Auction purchases
  • Bridging the gap between purchase and sale
  • Development exit
  • Refurbishment finance – light or heavy works
  • Purchase of an unmortgageable property
  • Capital raise for any legal purpose, especially if required quickly

Frequently asked questions

The basics

What is a bridging loan?

Bridging loans are a form of short term, property-backed finance. They're commonly used to 'bridge' the time between buying a new property and selling a previous one, or while waiting for a regular mortgage to become available. Interest is often rolled up or retained so that the loan doesn’t need to be serviced monthly.

Who can apply for a bridging loan?

Anyone can apply for a bridging loan, either as an individual or limited company.

Who might need a bridging loan?

Bridging loans are for clients who need quick, short-term capital to fund a property purchase. This includes those who:

  • Need to complete their sale quickly. This includes property developers, who can often secure a great deal if they buy fast.
  • Buy through auction. Bridging finance is popular with those buying property at auction. Here, completion has to take place within 28 days, which means traditional financing is not an option.
  • Are in a broken property chain. With a bridging loan, your client secures their new property before the sale on their existing one is complete.
  • Want to buy an uninhabitable property. Traditional lenders won't lend on a property if there's no kitchen, bathroom, central heating, or running water (especially buy-to-let mortgages). However, a bridging lender will base its lending on the property’s value in its current condition. This means buyers can access the property while making it habitable.

Bridge the gap, fast

Time is of the essence. Secure your clients a bridging loan today.