Question 1

How does a bridging loan work?

Accepted Answer

You borrow against the equity in your current home to fund the new purchase, with both properties held temporarily. When the old home sells, the bridge is repaid.

Question 2

How long can I bridge for?

Accepted Answer

Most lenders allow 6–12 months, sometimes longer. The bridge must be repaid when the old property sells — timing is critical.

Question 3

What are the costs of bridging?

Accepted Answer

Higher interest rates, capitalised interest during the bridge, and two sets of holding costs. We model the full cost before you commit.

Question 4

Can I bridge without selling first?

Accepted Answer

Yes — that is the point of bridging. But lenders need a realistic sale strategy and usually a valuation of the current home.

Question 5

What if my old home does not sell in time?

Accepted Answer

You may need to extend the bridge (at cost) or fall back to a sale plan. We stress-test the exit before you start.

Bridging finance, without the guesswork.

Frequently Asked Questions