A bridging loan is a short-term financing option designed to help homebuyers bridge the financial gap between buying a new property and selling their current one. If your property sale falls through, or if there are delays in the property chain, bridging loans for property purchases give you the freedom to move forward without losing the home you want to purchase.
This type of interim property finance is especially useful in time-sensitive purchases, such as buying at auction, refinancing quickly, or making urgent refurbishments before selling. Whether you’re upgrading your family home or investing in a buy-to-let, bridging loans offer a flexible solution when traditional mortgages can’t move fast enough.
How do bridging loans work?
Bridging loans work by providing you with fast funding to complete the purchase of a new property—even if the sale of your existing one hasn’t completed yet.
When your old property sells, you use the proceeds to repay the bridging loan.
Interest is charged monthly, but in many cases, you won’t make repayments until the end (this is called a retained interest loan).
This setup gives you breathing space and ensures your property purchase stays on track despite delays elsewhere.
Types of bridging loan
There are two main types of bridging loans:
1. Standard Bridging Loan
This covers just the purchase of your new home. It helps ensure you don’t lose out on a property due to chain-related delays or last-minute setbacks from buyers.
2. Refurbishment Bridging Loan
This not only helps fund the new purchase but also includes additional finance for property improvements—either for the home you’re buying or the one you’re selling. For example, if your buyer pulls out due to a required repair like a new boiler, this loan can fund that work and help secure a new sale faster.
There are two classifications for bridging loans:
Regulated Bridging Loans
These are used when the property you are buying or selling is your main residence. They are fully regulated by the Financial Conduct Authority (FCA), providing strong consumer protection and transparent lending.
Non-Regulated Bridging Loans
These are typically used for investment properties, buy-to-let purchases, or commercial transactions. While not covered by the same FCA rules, they can offer greater flexibility in terms and lending criteria.
At Orchard Mortgage Solutions, we are FCA-authorised and regulated, which means we can arrange both regulated and non-regulated bridging finance—depending on your needs. Whether you’re a homeowner or a property investor, we have access to a wide panel of lenders and can help you find the right bridging solution quickly and efficiently.
Bridging loan interest rates and fees
Interest on bridging loans is usually charged monthly. There are two main types of rates:
Fixed Interest Rate: The interest stays the same throughout the loan term, making your costs predictable and easy to budget for.
Variable Interest Rate: The rate can go up or down, usually based on the Bank of England base rate. This may offer savings if rates drop, but could cost more if they rise.
Since bridging loans are short-term, changes in interest rates usually have a limited effect. However, it’s still wise to speak to a qualified broker about the best option for your situation.
In addition to interest, there may be:
Arrangement fees
Valuation costs
Legal fees
These are often added to the loan, reducing the need for upfront payments.
How to get a bridging loan
Bridging loans are not normally offered by high street banks. Instead, they are arranged through specialist mortgage brokers or regulated mortgage advisers.
At Orchard Mortgage Solutions, we offer:
Tailored advice
Whole-of-market access
Fast decisions from reputable lenders
We’ll guide you through the process, including:
Reviewing your income and affordability
Obtaining independent property valuations
Explaining repayment options in plain English
Because every case is unique, we’ll make sure your bridging loan is structured around your timeline and financial goals.
Key Benefits of a Bridging Loan
Avoid chain collapse: Secure your next home even if your buyer pulls out
Buy quickly: Especially helpful when purchasing at auction or under tight deadlines
Unlock property potential: Fund refurbishments that increase your property’s market appeal
Short-term solution: Repay the loan as soon as your old property sells
With a bridging loan, you don’t have to put your dream move on hold. Instead, you gain financial freedom and peace of mind—without the stress of rushed sales or temporary renting.
Why Choose Orchard Mortgage Solutions?
At Orchard Mortgage Solutions, we are experts in bridging finance, mortgage advice, and property investment funding. We are FCA-authorised and can offer both regulated and non-regulated bridging loans based on your specific needs.
Whether you’re a homeowner looking to avoid delays, or a developer in need of fast capital for your next project, we’ll support you with:
Expert advice
Flexible options
Competitive rates
End-to-end support
Ready to Move Forward?
If you’re considering a bridging loan or want to understand how it could support your property plans, contact Orchard Mortgage Solutions today or phone 01257 543013. We’ll help you explore the right lending options with honest, jargon-free advice and rapid response times.
Contact us
For quick and personalised advice you can trust.
Improve your chance of securing a bridging loan
By consulting reputable mortgage brokers, such as our advisors at Orchard Mortgage Solutions, we will search for the best-specialised deals so that you can find a bridging loan best suited to you.
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Great Service throughout the application. Jatinder Paji, very professional, kind and helpful throughout. Ring him anytime or leave a message, always there to advise not only on… More the Mortgage but any other advise you not sure of. Brilliant 5 star service. Can't recommend enough. Thanks for your support throughout.
I had an absolutely fantastic experience with Orchard Financial Solutions! From start to finish, the service was professional, clear, and incredibly supportive. A special thank… More you to Andrew Stewart, who went above and beyond to guide me through the entire process. His knowledge, patience, and genuine care made everything so much easier and stress-free.I truly felt like I was in safe hands, and I couldn’t be happier with the outcome. I’ll definitely be recommending Orchard Financial Solutions—and Andrew in particular—to all my friends and family. First-class service all the way.
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I recently had the pleasure of working with Orchard Mortgage Solutions, specifically with Andrew, to secure a mortgage as a first-time buyer. I cannot express enough how grateful… More I am for the exceptional service and support I received throughout the entire process. One aspect that truly impressed me was the time and effort Andrew spent explaining complex mortgage information in plain English. As a first-time buyer, I had many questions and concerns, and Andrew patiently walked me through each step, ensuring I fully understood the details. His ability to simplify complex concepts made me feel confident and empowered in making informed decisions.The communication from Orchard Mortgage Solutions was top-notch. The team were always prompt in responding to my inquiries, providing updates, and keeping me informed of any progress or changes. Their clear and concise communication style made the entire process smooth and stress-free. What sets Orchard Mortgage Solutions apart is their friendly and personable service. Andrew's approachability and willingness to go the extra mile made me feel valued as a customer. He took the time to understand my unique needs and provided solutions that aligned perfectly with my requirements.I cannot recommend Orchard Mortgage Solutions enough, especially for first-time buyers. Their dedication to providing exceptional service, combined with Andrew's expertise and friendly demeanour, made the mortgage process a positive and enjoyable experience.
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I recently had the pleasure of working with Orchard Mortgage Solutions, and I must say that my experience was nothing short of exceptional. From start to finish, the team, led… More by Andrew Stewart, demonstrated a level of professionalism and expertise that exceeded my expectations.One aspect that truly stood out was the speed at which Orchard Mortgage Solutions operated. They were incredibly efficient in processing my mortgage application, ensuring that everything was handled promptly and accurately. This allowed me to move forward with my plans without any unnecessary delays.The service levels provided by Orchard Mortgage Solutions were truly outstanding. The team was attentive, responsive. Their commitment to delivering a seamless and stress-free experience was evident in every interaction. I highly recommend contacting to Orchard Mortgage Solutions.
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I recently had a fab experience with Andrew and the Team at Orchard Mortgage Solutions! They helped me to secure a mortgage for my new home, which wasn't an easy task!Throughout… More the entire process, they were patient (with my many questions!), helpful, friendly and the level of customer service was fantastic with a very quick response time!They even took advantage of the lengthy time it took our solicitors to complete by reapplying for the mortgage when the rates dropped!Overall, I highly recommend Orchard Mortgage Solutions to anyone in search of a mortgage!
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I recently had the pleasure of working with Orchard Mortgage Solutions and from the very beginning, Andrew was patient, understanding and so helpful in explaining everything to… More me. Nothing was too much trouble. Throughout the entire mortgage process, Orchard provided updates, and explained each step in a simple and easy-to-understand manner. I would highly recommend.
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