Bridging Loans London | Fast Property Finance & Best Rates

At Home Guru, we provide bridging loans in London to help buyers secure short-term finance for property purchases, renovations, or investment opportunities. Whether you’re a homeowner, investor, or developer, our experts can source the best bridging loan rates to meet your needs.

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What is a Bridging Loan?

A bridging loan is a short-term secured loan used when purchasing a new property before selling your existing one or when funds are needed quickly. They are commonly used for:

Buying a new home before selling your current one
Property development or renovation projects
Auction property purchases with tight deadlines
Preventing chain breaks in property transactions

Bridging Loans in London: Why Choose Home Guru?

London’s property market is fast-moving, and securing finance quickly can be crucial. We offer:

✅ Free Advice: Honest, impartial guidance tailored to your needs.

✅ Whole Market Access: Find the best mortgage deal from the entire UK market.

✅ Local Expertise: Serving London’s diverse homebuyers with in-depth market knowledge.

✅ Comprehensive Guidance: From AIP to completion, we manage every step of the process.

How Do Bridging Loans Work?

Loan Application & Property Valuation: Submit details of the property and reason for the loan.
Approval & Offer: Lender assesses the property and your exit strategy (how you will repay the loan).
Loan Funds Released: Once approved, funds are transferred—often within 7-14 days.
Loan Repayment: Paid off when you sell the property or secure long-term financing.

Bridging Loan Rates & Costs

Rates vary depending on:

Loan amount
Loan term (typically 3-12 months)
Property type (residential, commercial, auction purchases)
Exit strategy (e.g., selling the property, refinancing)

Typical costs include:

Interest rates: From 0.4% to 1.5% per month
Arrangement fees: Typically 1-2% of the loan amount
Valuation fees: Based on
property value
Legal fees: Payable for lender’s legal work

Our mortgage brokers in London will compare multiple lenders to secure the best deal for your situation.

Who is Eligible for a Bridging Loan?

Homeowners, landlords, and property investors
Minimum property valuation of £75,000+
An exit strategy (e.g., selling the property or refinancing)
Borrowers with good or adverse credit history (subject to lender criteria)

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Frequently Asked Questions About Bridging Loans in London

How much can I borrow with a bridging loan?

Bridging loans typically range from £50,000 to £25 million, depending on lender criteria and property value.n.

Do I need a good credit score for a bridging loan?

Credit history isn’t the main factor—lenders focus on the property’s value and your exit strategy. However, a stronger credit profile can result in lower interest rates.

Can I get a bridging loan with no income proof?

Yes, some lenders offer bridging finance with no income verification, provided there is a clear exit strategy.

Where can I find more information about Stamp Duty for Bridging Loans?

Use the official UK Stamp Duty Calculator to check how much tax you need to pay.

For more Briding Loans FAQs, visit our Briding Loans Blog.

What’s the difference between regulated and unregulated bridging loans?

Regulated Bridging Loan – For homeowners buying a new home. Regulated by the FCA.
Unregulated Bridging Loan – For buy-to-let investors, property developers, or businesses.

What does a mortgage broker do, and how can Home Guru help me?

Is using a mortgage broker free with Home Guru?

How Long Does the Mortgage Application Process Take in London?

The mortgage application process in London can take about a week, depending on the complexity of your situation and the lender’s requirements. It involves submitting documentation, undergoing a credit check, and waiting for the lender’s approval.

Do you work with buy-to-let investors in London?

Yes, we offer tailored mortgage solutions for buy-to-let investors in hotspots like Peckham (SE15) and Leyton (E10). Whether you’re a first-time landlord or expanding your portfolio, we’ll help you find the best financing options.

Why choose Home Guru over other mortgage brokers in London?

What Areas in London Do You Serve

We provide mortgage advice to first time buyers across all London postcodes, including Acton, Canary Wharf, Chelsea, Richmond, and more. Whether you’re looking to buy in North, South, East, or West London, Home Guru has local expertise to help you find the best mortgage deal. we proudly extend our expert mortgage assistance and advice across London including the following areas:

Acton W3
Barking & Dagenham IG11
Barnet EN4 & EN5
Battersea SW8 & SW11
Bayswater W2
Bexley DA5
Bexleyheath DA7
Brent Cross & Hendon NW4
Broxbourne EN10
Camden NW1
Canary Wharf E14
Canning Town E16
Chelsea SW3 & SW10
Chigwell & Hainault IG6 & IG7
Chiswick W4
Clapham SW4
Clayhall IG5
Colindale & Kingsbury NW9
Cricklewood, Dollis Hill, Childs Hill, Willesdan & Neasden NW2
Croydon CR0
Dagenham RM8, RM9, RM10
Ealing Broadway W5
Edmonton Green N9
Edmonton N9
EN6 Potters Bar
Enfield EN1, EN2 & EN3
Fulham SW6
Grays RM16, RM17 & RM20
Greenwich SE10
Hackney E8
Hampstead & Swiss Cottage NW3
Harlesden, Kensal Green & Wilesden NW9
Hayes UB3,
Herne Hill SE24
Hertford SG14
Hoddesdon EN11
Holland Park W11
Holloway N7
Hornchurch RM11 & RM12
Hornsey N8
Islington N1
Kensignton W8, W11, W14, SW5 & SW10
KIlburn, Queens Park & West Hampstead NW6
Lambeth & Southwarl SW2
Loughton IG10
Muswell Hill N10
Notting Hill W11
Peckham SE15
Purfleet RM19
Rainham RM13
Richmond TW9, TW10, TW11
Romford RM1, RM2, RM3, RM4, RM5, RM6, RM7
South Ockendon RM15
SouthGate N14
St Albans Al1
Stevenage SG1 & SG2
Stratford E15
Thamesmead SE28
Tilbury RM18
Tooting Broadway SW17
Upminster RM14
Waltham Abbey EN8 & EN9
Waltham Cross EN7 & EN8
Walthamstow E17
Wandsworth SW18
Wimbledon SW19
Woodford Green IG8

Leyton E10

What Fees Are Involved in Getting a Mortgage in London?

Common fees associated with obtaining a mortgage in London include arrangement fees, valuation fees, and legal fees. Some mortgages also have early repayment charges or exit fees. It’s important to understand all costs upfront to avoid any surprises when buying in London.