Bridging Finance for Property Projects
Bridging finance is generally a form of short-term property finance used in certain property situations. Terms and availability depend on the individual requirement and provider criteria. Funding Freddie supports structured property-finance assessments for requirements of £100,000 or more.
Funding Freddie is not a lender. It supports structured property-finance assessments for requirements of £100,000 or more, before considering whether a specialist introduction is appropriate.
What Is Bridging Finance?
Bridging finance is a type of short-term property finance. It is generally used to bridge a gap before longer-term finance is arranged, or before a property is sold or refinanced.
A clear funding purpose and an intended exit strategy are important parts of a bridging-finance requirement. The exit strategy is the route by which the short-term facility would be repaid or replaced, such as a sale, a refinance or another stated route.
A specialist will assess whether any finance route may be available, based on the individual requirement and the provider's own criteria. Funding Freddie is not a lender and does not assess suitability or make lending decisions.
Common Situations People May Explore
People may explore bridging finance when they have a short-term property-finance requirement. These are general examples only.
Auction purchase
People may explore bridging finance when securing a property bought at auction before longer-term finance is arranged.
Property acquisition
People may explore bridging finance when a property purchase needs to complete before a longer-term facility is in place.
Refurbishment project
People may explore bridging finance to fund works on a property before refinancing or selling it.
Refinance or repayment
People may explore bridging finance to refinance or repay an existing short-term facility.
Chain break or time-sensitive transaction
People may explore bridging finance when a property chain breaks or a transaction is time-sensitive.
Transitioning between arrangements
People may explore bridging finance when transitioning between property-finance arrangements.
These are general examples only. Whether any finance route may be available depends on your individual circumstances, the stated requirement and current specialist-provider appetite.
What to Prepare
The following information may be helpful to prepare before starting a Property Funding Assessment.
Funding purpose
A clear statement of why the capital is required.
Approximate funding requirement
An approximate figure for the amount you are seeking. Funding Freddie supports requirements of £100,000 or more.
Property type and location
The type of property and its location.
Purchase price, current value or estimated value
The purchase price, current value or estimated value of the property, where relevant.
Ownership or borrowing structure
How the property would be owned or the borrowing structured.
Funding timescale
The timescale within which the funding would be required.
Intended exit strategy
The intended exit strategy, such as sale, refinance or another stated route.
Project or refurbishment information
Any relevant project or refurbishment information, where applicable.
This is general preparation guidance only, not underwriting instructions. You will not be asked to submit sensitive data on this page.
How Funding Freddie Works
A structured assessment process helps you explore your property-finance requirement before any introduction.
Complete a Funding Assessment
Assessment review
Informed introduction
Specialist assessment
Completing an assessment does not guarantee funding, approval, an offer, an introduction, a product, a rate, a term, a timescale, an application, completion, commission or any outcome. Funding decisions remain with the selected provider and are subject to provider assessment and criteria.
Important Points to Understand
Please read these points before starting a Property Funding Assessment.
Funding Freddie is not a lender
Funding Freddie does not make lending decisions or provide finance directly.
Funding is subject to provider criteria
Any funding remains subject to the selected provider's criteria, underwriting and terms.
Property security may be relevant
Property security may be relevant, depending on the route considered.
No guaranteed outcome
Completing an assessment does not guarantee funding, approval, an offer, an introduction, a product, a rate, a term, a timescale, an application, completion, commission or any outcome.
No individual financial advice
Funding Freddie does not provide individual financial advice or product recommendations.
Bridging Finance FAQs
Clear answers to common questions about bridging finance and the Funding Freddie assessment process.
Ready to Explore Bridging Finance?
Complete a Property Funding Assessment and take the next step toward exploring your bridging-finance requirement.
No obligation to proceed. Completing an assessment does not guarantee funding, approval, an offer, an introduction, a product, a rate, a term, a timescale, an application, completion, commission or any outcome.