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Frequently Asked Questions

Answers to the questions we are asked most often about bridging finance, including how it works, what it costs, who qualifies, and how quickly funds can be arranged. If your question is not covered here, speak to our team.

General Questions

Bridging finance is a short-term loan used to “bridge” a gap — typically between buying a property and securing longer-term funding or selling an asset.
It is commonly used for time-sensitive transactions such as auction purchases, refurbishments or capital raising.

Bridging finance is used by a wide range of clients, including property investors, developers, landlords and individuals needing fast access to funds.
It is particularly useful where speed is essential or where traditional lenders are unable to assist.

Loan Criteria

We arrange bridging loans from approximately £100,000 up to £10 million+, depending on the property and overall deal structure.

Unlike traditional mortgages, bridging lenders focus primarily on the value of the property and the strength of the exit strategy (how the loan will be repaid).
Income and credit profile may be considered, but are often less critical than with standard lending.

Application Process

In many cases, decisions can be made within hours and funds can be released in as little as 3–14 days, depending on the complexity of the case.

This will vary depending on the lender and the transaction, but typically includes:
  • Proof of identity
  • Property details
  • Exit strategy (sale or refinance plan)
  • Supporting financial information (where required)
We aim to keep the process as straightforward as possible.

Fees and Costs

Costs will vary depending on the lender and structure of the loan, but typically include:
  • Arrangement fee
  • Interest (monthly or rolled up)
  • Valuation fee
  • Legal costs
We will always provide a clear breakdown of costs before proceeding.

Yes — most bridging loans offer flexible repayment options, including the ability to repay early.
Some lenders may charge a minimum interest period or early repayment fee, depending on the terms agreed.

Support and Contact

You can contact us directly by phone, email or by submitting an enquiry through the website.
We aim to respond quickly and can often provide an initial view on your options the same day.

Still Have Questions?

Speak to an experienced broker today for clear, straightforward advice.

+44 203 603 6032 enquiries@sterlingbridgingfinance.com

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