Bridging & Short-Term Finance

Fast, flexible funding when time is of the essence.

Please Note: Bridging and short-term finance are provided via a referral to a specialist third-party service. I J Mortgage Solutions does not directly advise on or arrange these products.

In the property world, opportunity often moves faster than traditional finance. Whether you are looking to rescue a broken chain, secure a property at auction, or fund a renovation project, traditional mortgage lenders may not always meet the required timescales.

Through our trusted referral partners, we provide access to short-term bridging finance. This service is designed to help you bridge the gap between an immediate funding need and securing long-term finance, with the aim of arranging funds significantly faster than a standard mortgage application.

When to Use Bridging Finance?

Bridging finance is a powerful tool designed for specific "gap" scenarios.

1. Breaking the Property Chain

You have found your dream home, but your own house hasn't sold yet. A bridging loan allows you to buy the new property immediately, giving you the time and breathing space to sell your old home at its full market value rather than accepting a low offer just to move quickly.

2. Auction Purchases

When the gavel falls at an auction, you typically have 28 days to complete. High-street banks simply cannot move fast enough. Bridging finance is built for speed, ensuring you meet the deadline and don't lose your 10% deposit.

3. Uninhabitable Properties

High-street lenders usually won't mortgage a property without a working kitchen or bathroom. A bridging loan allows you to buy the "fixer-upper," fund the renovations, and make it habitable. Once the work is done, we can arrange a standard mortgage to pay off the bridge.

4. Business Cash Flow

Business owners can raise capital quickly against residential or commercial property to pay tax bills, buy stock, or seize a new business opportunity.

How Bridging Works

Speed: Funds can often be released quickly in some cases depending on the complexity of the case.
Interest: Interest Handling: In many cases, there are no required monthly interest payments. Instead, interest can be "rolled up" (added to the loan balance) or "retained" (deducted from the initial advance).
Cash Flow Considerations: While this structure means you do not have to make a monthly out-of-pocket payment during the term of the loan, it is important to remember that interest will still accrue. This increases the total amount repayable and will be settled when the loan is redeemed at the end of the project.
Loan-to-Value (LTV): Typically up to 75% of the property value (or 100% with additional security).
Term: Loans usually run from 1 to 18 months.

The Vital "Exit Strategy"

A bridging loan is a temporary solution. Before you start, you must have a clear plan to repay it (the "Exit").

Sale: Selling the property.
Refinance: Moving onto a standard Buy-to-Let or Residential mortgage.

At I J Mortgage Solutions, we don't just help you get into the bridge; we plan how you get out. We can arrange your "Exit Mortgage" simultaneously to ensure a seamless transition.

Our Strategic Partnership

Bridging finance is a highly specialist area. To ensure our clients get the best rates, fastest service, and access to private funding lines not available on the high street, we operate a Specialist Referral Service.

We have vetted and partnered with a select panel of leading Bridging & Commercial Master Brokers.

How it works:

Consultation: We discuss your scenario, your "exit strategy," and your deadline.
Introduction: If a bridge is the right solution, we introduce you to the specialist partner from our panel who is best suited to your specific project.
Collaboration: They handle the specific underwriting and processing of the bridging loan, while we remain in the loop to support you and, crucially, to arrange your long-term "exit" mortgage.

This approach gives you the best of both worlds: the personal relationship and long-term planning of I J Mortgage Solutions, combined with the technical speed and buying power of a dedicated bridging funder.

Important Information

Bridging Finance is often arranged by introduction only. This service may involve a referral to a third-party specialist.

Bridging finance is a short-term solution and interest rates are typically higher than standard mortgages. Your property may be at risk if you do not keep up repayments on a mortgage or any other debt secured on it. Some forms of Bridging Finance are not regulated by the Financial Conduct Authority.