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    Bridging Finance Specialists • Complete in 7–14 Days

    Save Your Property Move With Fast Bridging Finance

    Don't let a broken chain or slow banks cost you your dream home. Opus Mortgage & Protection secures the funding you need in days not months, with No Upfront Broker Fees.

    Decisions in 24–48 Hours – Act fast on auction deals or chain breaks.

    No Upfront Fees – We only get paid when your bridge completes.

    Expert "Bridge-to-Exit" Planning – We secure the bridge and your long-term mortgage.

    Chain Breaks
    Auction Purchases
    Refurbishment Projects
    Regulated & Unregulated

    Complete in 7–14 Days

    When speed matters more than anything else — we deliver

    Auction Finance Ready

    Meet 28-day deadlines with funding arranged before you bid

    Chain Break Solutions

    Bridge the gap and secure your onward purchase

    Refurbishment Funding

    Fund renovations on unmortgageable properties

    FCA Regulated Options

    Full consumer protection for residential bridging

    Exit Strategy Planning

    We stress-test your repayment plan before you commit

    Get Your Bridging Finance Quote

    Speak to a bridging specialist today — no obligation

    Free, no-obligation consultation. We'll call you back within 1 hour during business hours.

    200+ Lenders
    |
    FCA Regulated

    Types of Bridging Loans — Which One Is Right for You?

    Not all bridging loans are created equal. The wrong type could cost you thousands — or worse, leave you exposed. Here's what you need to know.

    Closed Bridging Loans

    You have a guaranteed exit — a confirmed sale date or definite refinance. Because the risk is lower, so are the rates. This is the gold standard if you qualify.

    • Lowest interest rates available
    • Confirmed exit date required
    • Ideal for chain break with exchanged contracts
    • Typically 1–12 months

    Open Bridging Loans

    No fixed repayment date — you know how you'll repay, just not exactly when. More expensive, but the flexibility can be worth its weight in gold when timing is uncertain.

    • Maximum flexibility on timing
    • Higher rates reflect lender risk
    • Up to 12–18 month terms
    • Ideal for planning/sale uncertainty

    Regulated Bridging Loans

    For your home or future home. FCA-regulated with full consumer protection — including a cooling-off period. If you're bridging for your own residence, this is what you need.

    • FCA consumer protection
    • Affordability assessment required
    • Cancellation rights included
    • For residential owner-occupier use

    Unregulated Bridging Loans

    For investment, BTL, and commercial properties. No FCA regulation — but more flexible criteria and faster decisions. The go-to for savvy investors.

    • Investment & commercial properties
    • Faster, more flexible process
    • Focus on security & exit strategy
    • No affordability assessment needed

    First Charge Bridging

    Primary loan secured against a property with no existing mortgage. Lower rates, simpler structure.

    Second Charge Bridging

    Additional borrowing on a property with an existing mortgage. Keep your current deal in place.

    Refurbishment Bridging

    Light or heavy refurb funding. Purchase and renovate, then refinance or sell at the improved value.

    Auction Bridging

    Pre-agreed funding so you can bid with confidence. Meet the 28-day completion deadline.

    Commercial Bridging

    Offices, retail, industrial, mixed-use — specialist commercial bridging with flexible terms.

    Cross-Charge Bridging

    Use equity in one property to fund the purchase of another. Unlock trapped equity quickly.

    Why People Trust Us With Their Most Urgent Property Deals

    When you're racing against a deadline, the last thing you need is a broker who doesn't understand urgency. We live and breathe bridging finance.

    We Move at Your Speed

    While other brokers are still filling in forms, we're already on the phone to lenders. We understand that every day of delay could cost you the deal of a lifetime — and we treat your urgency as our own.

    Lenders Others Can't Access

    We have direct relationships with bridging lenders who don't work with every broker. That means better rates, higher LTVs, and faster completions — because we've already earned their trust.

    We've Seen It All

    Adverse credit? Unmortgageable property? Overseas applicant? Complex corporate structure? We've arranged bridging for all of these — and we'll tell you honestly if it can or can't be done.

    Bridging Situations We Handle Every Day

    Property chain collapsed
    Auction purchase — need to complete fast
    Buying before selling
    Property too run-down for a mortgage
    Probate or inheritance delays
    Downsizing with timing gap
    Landlord acquiring at auction
    Renovation to flip or refinance
    Commercial property opportunity

    What Does Bridging Finance Actually Cost?

    Let's be honest — bridging isn't cheap. But when you understand the real numbers, you'll see why it's often the smartest move.

    Typical Costs

    • Monthly interest: 0.4% – 1.5% (depending on LTV & risk)
    • Arrangement fee: 1–2% of the loan amount
    • Valuation: £500 – £2,000
    • Legal fees: £1,500 – £3,000 (yours + lender's)
    • Exit fee: 0–1% (not all lenders charge this)

    Example: £200k for 6 Months

    • Interest (0.75%/month): £9,000
    • Arrangement fee (2%): £4,000
    • Legal & valuation: ~£3,000
    • Total cost: approximately £16,000

    That's the cost of keeping your dream purchase alive. For many, it's the best £16k they ever spent.

    Important: Bridging finance costs significantly more than standard mortgages and is only suitable for short-term needs. You must have a clear, credible exit strategy. Your property may be repossessed if you don't repay the loan.

    Bridging Finance FAQs

    Everything you need to know — honestly answered.

    Every Hour You Wait, Someone Else Gets the Deal

    Property opportunities don't wait. Neither should you. Fill in our quick form — it takes 2 minutes — and we'll tell you exactly what's possible, what it'll cost, and how fast we can move.

    Or email us at hello@opusmortgage.co.uk