Get there quicker with bridging finance

Open or closed bridging loans might be a great solution if you’re in need of a loan fast. Speak to our advisers about bridging loans today.

Google Rated

How we help with Bridging Loans:

When speed is of the essence

If you’re looking at a time-sensitive transaction, like securing a new property before the previous one sells, a bridging loan might be ideal.

When there are substantial renovations

If you're purchasing a property that requires substantial renovation or refurbishment work, traditional mortgage lenders may be hesitant to provide financing. Bridging loans can be used to acquire the property, carry out the necessary work, and then potentially transition to a mortgage once the property is in an improved condition.

When you need to fill a cash flow gap

Bridging loans can give you the flexibility to buy your next home without having to wait for your previous property to sell.

Let us find a bridging loan for you

Speak to one of our friendly advisers today, and download your credit report via 'Check my file', to kick start the process.

Product FAQs:

Standard mortgages are typically the go-to for property purchases and are usually long-term commitments lasting up to 30 years with monthly repayments and potentially lower interest rates. Bridging loans on the other hand are short-term solutions more often used to cover a financial gap. These loans are generally up to 24 months in term, with higher interest rates that can be retained, serviced, or rolled.

There are several types of bridging deals, including: those involving refurbishments, those involving conversions, or those purchased below market value at auction.

Because each bridging deal has its own set of circumstances, there is no set deposit amount. Lenders will offer different bridging terms for each deal, so the exact amount an investor or developer will need to put into the deal themselves will vary. Factors like whether the lender is offering retained interest, rolled interest, serviced interest, or moneys for a refurbishment all are typically factors that influence bridging loan terms.

 

What our customers think:

Kashif SharifKashif Sharif
15:32 22 Sep 23
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Gary CorbettGary Corbett
18:08 15 Sep 23
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Sandra BSandra B
13:45 31 Aug 23
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
Lee TomlinsonLee Tomlinson
22:33 30 Aug 23
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Joe NewmanJoe Newman
17:20 22 Aug 23
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
joey awaritefejoey awaritefe
20:38 17 Aug 23
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Jason EdgeJason Edge
22:04 16 Aug 23
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
Jamie BoxallJamie Boxall
11:07 16 Aug 23
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Conor HarrisonConor Harrison
18:38 21 Dec 22
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
King Panda PropertiesKing Panda Properties
08:12 03 Dec 22
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Simon CharnockSimon Charnock
17:46 14 Sep 22
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
Carys GreenCarys Green
18:15 11 Jan 22
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Dessi DonchevaDessi Doncheva
16:21 13 Mar 21
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!
js_loader
Hearthstone logo

Book a 1-2-1 today

Fill out your contact details and speak to one of our friendly advisers today to kick start the process.