Smart Funding, Real Results

Bridging Loans: Fast, Flexible Funding When You Need It Most

Bridging Finance – At Pinks Asset Finance, we understand that sometimes opportunities arise—or challenges occur—that require swift financial solutions. 

Whether you’re looking to seize a property deal, manage cash flow, or bridge a temporary funding gap, bridging loans can offer the quick, short-term financing you need.​

What Is a Bridging Loan?

A bridging loan is a short-term, secured loan designed to “bridge” the gap between a financial need and a more permanent solution. 

Typically lasting up to 24 months, these loans are secured against property and are repaid once longer-term financing is arranged or an asset is sold.​ 

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Common Uses for Bridging Loans

  • Property Purchases:

    Secure a new property before selling an existing one.

  • Auction Buys:

    Quickly access funds to capitalise on auction opportunities.

  • Refurbishments:

    Finance renovations to increase property value before refinancing.

  • Business Needs:

    Cover short-term operational costs or unexpected expenses.​

Costs to Consider

  • Interest Rates:

    Typically range from 0.4% to 1.5% per month.

  • Arrangement Fees:

    Usually between 0.5% and 2% of the loan amount.

  • Exit Fees:

    Approximately 1% of the loan amount.

  • Additional Costs:

    Valuation, legal, and other associated fees.​

Why Consider a Bridging Loan?

Speed:

 Funds can often be arranged within 24 to 48 hours, making them ideal for time-sensitive situations.​ 

Flexibility:

 Bridging loans can be tailored to your specific needs, with options for interest roll-up, deferred payments, and more.​  

Accessibility:

With less stringent criteria than traditional loans, bridging finance is accessible to a wider range of borrowers, provided there’s sufficient equity in the property used as security.​clude maintenance, saving you more dosh and downtime.

Is It Right for You?

Bridging loans are suitable for individuals or businesses with equity in a property (excluding primary residences) who need quick, short-term funding.

A clear exit strategy—such as property sale or refinancing—is essential.​

How Does It Work?

Application:

 Provide details about the property, the amount needed, and your repayment plan.

Valuation:

A professional valuation is conducted to assess the property’s worth.

Legal Checks: 

Standard legal due diligence is performed.  

Funding: 

Once approved, funds are released promptly—often within days.​

 

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