Bridging Loan Refinance

Your bridge is expiring. We find you the best exit — fast.

Timing is everything when it comes to bridging refinance. Miss your exit window and you're paying penalty rates. We proactively track your bridge timeline and search across 100+ lenders to find you the most competitive long-term refinance before your loan expires.

Discuss Your Bridge Exit

What is Bridging Refinance?

Bridging loans are short-term finance products, typically lasting 6-18 months. They're designed to “bridge” a gap — whether that's buying at auction, funding a refurbishment, or securing a property before long-term finance is in place.

When a bridging loan approaches its expiry, developers need to refinance onto a longer-term product such as a buy-to-let mortgage or commercial mortgage. This is bridging refinance — the process of exiting your short-term bridge and moving onto sustainable, lower-cost finance.

Timing is critical. If you miss your exit deadline, most bridging lenders will impose penalty rates that can significantly eat into your margins. We identify when your bridge is due and proactively search the market for the best refinance options — well before your expiry date.

Why Refinance With Us

Proactive Exit Planning

We track your bridge timeline and start searching before it expires, so you never face penalty rates.

100+ Lender Comparison

Access rates and terms you won't find going direct. We search the whole market to get you the best deal.

Fast Processing

From application to offer in as little as 48 hours. We know timing is everything when a bridge is expiring.

No Upfront Fees

We only charge on successful completion. There's no financial risk to you — our fee is built into the deal.

Who is This For?

  • Property developers with bridging loans approaching expiry
  • BTL investors looking to refinance onto long-term products
  • Developers who have completed refurbishment and need to exit their bridge
  • Portfolio landlords consolidating short-term debt
  • Anyone facing penalty rates on an expired bridge

How It Works

1

Share your bridge details

Tell us about your current bridging loan, the property, and your timeline. We'll assess your situation and outline your options.

2

We search the market

We compare rates across our lender panel to find the best exit. You'll receive a clear breakdown of your options with no obligation.

3

Seamless transition

We handle the application through to completion, liaising with solicitors, valuers, and lenders so you don't have to.

Frequently Asked Questions

When should I start looking to refinance my bridging loan?

Ideally 2-3 months before expiry. This gives enough time to secure the best rates and complete the application process. If your bridge has already expired, we can still help — contact us urgently.

What rates can I expect on a bridging refinance?

Rates vary depending on the property type, loan-to-value, and your experience. Typically, refinancing from a bridge onto a BTL mortgage can reduce your rate significantly. We search 100+ lenders to find you the most competitive deal.

Do I need the property to be tenanted before refinancing?

Not necessarily. Many lenders will refinance based on a projected rental income with a valid EPC. However, having a tenant in place can strengthen your application and unlock better rates.

What if my bridging loan has already expired?

Don't panic. While expired bridges often incur penalty rates, we can usually find refinance options quickly. The key is to act fast — contact us and we'll assess your situation within 24 hours.

Are there any upfront fees?

No. We don't charge anything until your refinance completes. Our fee is built into the deal, so there's no financial risk to you.

Ready to exit your bridge?

Get in touch today for a free, no-obligation review of your bridging loan. We'll find the best refinance options for your situation.

Get Started