Bridging Loan Property Purchase

Bridging Loan for House Purchase: A Fast Route to Securing Property

Quick, flexible funding to complete your property purchase on time

Last updated: November 2025

Buying a Property When Time Is Tight

Getting a mortgage is not the only way to buy a property. When timing is critical or a deal demands speed, a bridging loan can be the smarter, more flexible route.
At GPS Financial, our clients across the UK use bridging finance to buy, renovate, and complete property purchases quickly and confidently. With access to a whole-of-market lender panel and years of experience, our team arranges short-term funding that works around your timeline and exit strategy.
Every successful bridging loan begins with a clear plan for repayment, whether through sale, refinance, or another structured facility. This ensures your finance works in practice, not just on paper, and keeps your project on track.

What Is a Bridging Loan

A bridging loan, also known as a bridge loan, is a short-term, high-value loan that helps you complete a property purchase while waiting for funds from a sale, refinance, or mortgage.
Unlike a traditional mortgage, bridging finance is built for speed and flexibility. With the right preparation, funds can often be released within a few working days, giving you the power to secure a property before someone else does.
Traditional mortgages are often too slow or restrictive for urgent purchases. Bridging loans fill that gap, giving buyers and investors the agility to act fast.

When Would You Use a Bridging Loan

Bridging loans are ideal when timing or property condition makes a standard mortgage unsuitable. Common uses include:
• Buying before selling: Secure your next property without waiting for your current one to sell, then repay the loan once the sale completes.
• Breaking a property chain: Use a bridge to act as a cash buyer and avoid delays. See our Chain Break Bridging guide.
• Buying at auction: Most auctions require full payment within 28 days. Auction Bridging Finance helps you meet that deadline.
• Funding renovations: If a property cannot be mortgaged because it needs work, bridging finance can fund both purchase and refurbishment. Learn more about Refurbishment Bridging.
GPS Financial supports both individuals and businesses, including homeowners, landlords, and developers. Each loan is structured around your project, risk profile, and exit plan.

Key Features of Bridging Loans

• Short-term funding, typically up to 12 months
• Fast approval with funds often released in 3 to 5 working days
• Up to 75 percent loan-to-value, or up to 100 percent with additional security such as another property or asset
• Rolled-up or retained interest options to protect cash flow
• Flexible exits through sale, refinance, or development finance
• Available for residential, mixed-use, and commercial properties
Our advisers are qualified and experienced in both regulated and unregulated bridging finance, ensuring every application meets lender criteria and compliance requirements.