Bridging Finance Options for UK Mortgage Brokers | Bridging finance is a flexible short-term funding option that helps clients complete property purchases when time is limited or traditional mortgage routes are not suitable. As part of the Connect network, you gain access to a wide range of bridging finance options, fast processing support and a panel of specialist lenders who understand complex and time-sensitive property needs.
Our network is designed for brokers who want to offer clients reliable short-term finance, backed by expert guidance, transparent processes and full case support.
What Is Bridging Finance
Bridging finance is a short-term property loan designed to provide fast funding when a standard mortgage is not suitable. It supports clients who need immediate access to capital, whether they are purchasing, refinancing or improving a property. A bridging loan is commonly used for chain-break cases, auction purchases with strict deadlines, refurbishment projects, conversions, downsizing or upsizing, investment opportunities, and situations where a clear exit strategy is in place but funds are required without delay.
Bridging finance is often used when a client cannot wait for the timescales of a traditional mortgage or when the property is not ready for mainstream lending. This makes it an essential solution for advisers who want to offer flexible short-term finance to a wide range of client scenarios.
As a mortgage broker, offering bridging finance gives you greater flexibility to support specialist client needs. You can help clients secure properties quickly, complete refurbishment plans, or move forward with investment opportunities that require fast funding. Through the Connect network, you benefit from a panel of specialist bridging lenders, full case-packaging support, and access to our advanced technology platform.
Why Brokers Use Bridging Finance
Bridging finance is used when speed, flexibility or property condition prevents a standard mortgage. Common scenarios include:
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Property purchases that need fast completion
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Auction properties that require completion within 28 days
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Chain break situations
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Refurbishment and light or heavy development projects
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Complex or unusual properties
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Repayment of short-term debt before refinancing
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Clients who need temporary funding before their main mortgage completes
These cases can create strong business opportunities for brokers who have access to the right lender panel, support and systems.
Bridging Finance Options Available Through the Connect Network
When you join the Connect network, you gain access to a wide range of bridging loan solutions designed specifically for intermediaries. Our panel includes lenders who offer:
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Regulated bridging finance
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Unregulated bridging finance
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Chain break bridging loans
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Refurbishment bridging
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Development exit bridging
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Light and heavy works bridging
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Investment property bridging
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Auction bridging loans
Each option is supported by our in-house team, who help you structure the case, confirm the exit route and present it correctly to the lender.
Key Benefits for Mortgage Brokers
| Benefit | Description |
|---|---|
| Access to specialist bridging lenders | You gain direct access to lenders who understand short-term property finance, complex scenarios and time-critical completions. This helps you place cases that fall outside standard mortgage criteria. |
| Support from our experienced team | Our specialist team helps you assess suitability, understand lender requirements and prepare your bridging case for a clear and successful submission. This improves placement confidence and reduces delays. |
| Technology that simplifies case management | Our online platform allows you to package cases, upload documents, track progress and communicate with our team and lenders through one system. This creates an efficient workflow for short-term lending. |
| Bridging options for all client types | You can offer bridging finance solutions to investors, home movers, landlords, developers, and clients completing refurbishments or auction purchases. This expands your service offering and helps meet diverse client goals. |
| Increased income opportunities | Bridging finance often results in higher revenue for brokers than in standard mortgage cases, especially when investors or refurbishment projects are involved. This supports business growth and long-term income potential. |
How the Process Works
Working with bridging finance through the Connect network is transparent and straightforward:
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Introduce the client and confirm the purpose of the loan
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Identify the exit strategy, timescales and property details
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Our team helps you match the case to suitable bridging lenders
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Submit documents through the platform
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The lender carries out valuation, underwriting and legal checks
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Funds are released once conditions are satisfied
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Exit route is completed via sale or refinance
Our process ensures your client receives a fast and direct service while you receive full intermediary support at every stage.
Internal Support for Your Bridging Cases
When you join our broker network, your bridging cases benefit from:
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Case checking and compliance support
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Guidance on exit routes
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Document packaging and presentation
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Access to specialist lending knowledge
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Help understanding lender criteria
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Assistance placing complex scenarios
Our goal is to help you place more specialist cases with confidence.
Join the Connect Network
If you want to offer bridging finance options to your clients with full support, specialist knowledge and access to a wide lender panel, take the next step today. Visit our Join Connect Network page to learn how our team and platform can help you grow your business.
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FAQ | Bridging Finance Options
| Question | Answer |
|---|---|
| What bridging finance options are available for UK brokers? | You can access regulated and unregulated bridging, auction finance, chain-break solutions, refurbishment loans, and development exit funding through our lender panel. |
| When should a broker recommend bridging finance? | Bridging is suitable when a client needs short-term funding for speed, refurbishment, auction deadlines, complex properties or when a standard mortgage is not appropriate. |
| How quickly can bridging finance be arranged? | Many bridging lenders can complete within days, depending on valuation and legal work. Our support team helps move cases forward as quickly as possible. |
| What exit strategies are acceptable? | Common exit routes include selling the property, refinancing into a standard mortgage, or releasing funds from another existing asset. |
| Is regulated bridging available through the network? | Yes. Regulated bridging is available to clients purchasing or refinancing a property they will live in. This type of lending follows FCA rules and is offered by selected lenders on our panel. |
| Do brokers need an exit strategy before applying for bridging finance? | Yes. A clear and realistic exit strategy is essential. Our team helps you identify the best exit route and ensure lenders accept the chosen plan before proceeding. |
| Can bridging finance be used for refurbishment projects? | Yes. Light and heavy refurbishment bridging options are available, supporting both minor improvements and full structural work where planning permission may be required. |
| Can first-time investors use bridging finance? | Yes. Many lenders on our panel accept first-time investors, provided the exit is clear and the case is well structured. We help brokers carefully package these cases. |
| What documents are needed for a bridging loan application? | Lenders typically require ID, proof of funds for the deposit, details of the exit strategy, property information, valuation reports and any planning documents where relevant. |
| Does bridging finance work for auction purchases? | Yes. Auction bridging loans are designed for the short completion times required after a successful bid. Many lenders can release funds quickly to meet tight deadlines. |
| What interest rate structures are available? | Bridging loans can be offered on a monthly interest, rolled-up interest or retained interest. The structure depends on the client’s situation and the lender’s criteria. |
| Can brokers earn commission on bridging finance cases? | Yes. Bridging finance can provide higher income opportunities due to the specialist nature of the product. Commission varies by lender and case type. |
| Are there bridging options for complex or non-standard properties? | Yes. Many specialist lenders on our panel accept non-standard construction, mixed-use buildings, semi-commercial units and properties needing refurbishment prior to mortgage eligibility. |
| Can bridging landlords and property investors use finance? | Yes. Landlords, developers and investors widely use bridging for purchases, refurbishments, conversions and time-sensitive opportunities. |