Auction purchases
Arrange short-term funding around a fixed auction completion deadline.
UK bridging finance broker
Bridging finance for time-sensitive property purchases
Buying at auction, refurbishing a property or want to secure a purchase before you've sold? We’ll assess your security, loan-to-value, exit strategy and timescale, then compare suitable options from our lender panel.
- A clear breakdown of the likely interest, lender, valuation and legal costs
- Help planning a realistic sale or mortgage exit
- Personal support from enquiry through to completion
What clients say about Houz Mortgages
Reviews from clients who have worked with Houz Mortgages.
You’ll deal directly with Ben
No call centre. No junior adviser hand-off. We review the security, borrowing requirement, timescale and exit route before recommending suitable options. If bridging isn’t the right fit, we’ll tell you - and suggest what may work better.
- Qualified since 2014
- Specialist lending experience since 2022
- CeMAP / CeRER qualified
- LIBF Certified Mortgage Adviser
- Appointed Representative of HL Partnership Ltd
When bridging finance may be useful
Bridging finance is short-term borrowing secured against property. It can help when timing or the condition of a property makes a standard mortgage unsuitable at the outset.
Refurbishment and bridge-to-let
Purchase or improve a property before selling or refinancing onto longer-term borrowing.
Unmortgageable property
Consider funding for a property that may not initially meet mainstream mortgage criteria.
Buy before you sell
Explore options for purchasing another property before an existing sale completes.
Capital raising
Raise short-term funds against suitable property for an eligible purpose.
Re-bridging
Refinance an existing bridging loan where more time is needed before the planned exit can complete.
A clear route from enquiry to exit
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Understand your situation
We review the property, borrowing requirement, timescale and proposed repayment route.
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Compare suitable options
Where bridging looks suitable, we compare lenders from our available panel and explain the likely costs and conditions.
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Manage the application
We help prepare the application and coordinate with the lender, valuation and legal teams.
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Keep the exit in view
We help you plan for the agreed sale or refinance route so the short-term borrowing has a clear purpose.
Tell us about your situation
Share a few key details and we’ll review whether bridging finance may be suitable. If another route looks more appropriate, we’ll tell you - and explain what the next step may be.
Thank you - we’ve received your enquiry
We’ll review the details you’ve shared and be in touch to discuss whether bridging finance may be suitable and what the next steps could be.
If you need to move quickly, you can reach Ben directly:
Understand the full cost before you proceed
Bridging finance is generally more expensive than a standard mortgage. The overall cost can include interest, a lender arrangement or facility fee, valuation fees, legal fees, administration charges, broker fees and the cost of the eventual sale or refinance.
Interest may be paid monthly, deducted from the advance or added to the balance, depending on the lender and product. Adding interest to the loan increases the amount that must be repaid.
A credible exit strategy is essential. If the property does not sell or refinancing is unavailable when expected, you may face additional interest, fees or enforcement action.
We’ll explain the relevant costs and risks for your circumstances before an application proceeds.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Bridging finance questions
What is bridging finance?
Bridging finance is short-term borrowing secured against property. It is commonly used when funds are needed before a property sale or longer-term mortgage can complete.
How quickly can bridging finance complete?
It can sometimes complete more quickly than a standard mortgage, but timing depends on the lender, valuation, legal work, title, property, application quality and how quickly documents are supplied. A deadline cannot be guaranteed.
How is a bridging loan repaid?
The planned repayment route is known as the exit strategy. Common exits include selling a property or refinancing onto suitable longer-term borrowing.
Can the interest be added to the loan?
Some lenders allow interest to be retained or added to the balance rather than paid monthly. This reduces or removes monthly payments but increases the amount due at redemption and may reduce the net funds available.
What is the difference between regulated and unregulated bridging finance?
The regulatory position can depend on the borrower, property, occupancy and purpose of the loan. Houz will ask how the property will be used and confirm which type of advice and finance may apply to the case.
Can I apply if I have had credit problems?
Past credit issues do not automatically determine the outcome, but they can affect lender choice, price and whether the proposed exit is credible. Every application remains subject to assessment and lender criteria.
What costs should I expect?
Potential costs include interest, lender fees, valuation, legal work, administration, broker fees and exit costs. The exact amount depends on the transaction and lender.
Ready to talk about your plans?
Tell us the property, amount required, deadline and intended exit. We’ll review the details and explain what the next step may be - including if an alternative to bridging looks more suitable.