When you need to move quickly—whether it’s securing a new home before selling your current one, buying at auction, or unlocking capital in a property—a traditional mortgage simply won’t move fast enough.
That’s where a bridging loan comes in. At Mortgage Knight, we help homeowners, investors, developers, and businesses access fast, flexible bridging finance—with lenders who make decisions in days, not weeks
A bridging loan is a short-term loan secured against a property (or multiple properties). It’s designed to “bridge the gap” between buying and selling, refinancing, or releasing funds.
It’s ideal for situations where:
We arrange bridging loans for:
If you need fast cash and own (or are buying) property—we can help.
We work with:
| Feature | Details |
|---|---|
| Loan Size | £50,000 to £25 million+ |
| Loan Term | 1 to 24 months (typically up to 12) |
| Interest Options | Monthly interest (paid or rolled up) |
| Speed | Funds in as little as 5–10 days |
| Security | 1st or 2nd charge on residential, BTL, or commercial property |
| Exit Strategy | Usually sale or refinance |
Status: Jonathan won a residential property at auction with a 28-day completion deadline. He didn’t yet have a buyer for his own home and risked losing the deal.
Challenge: We arranged a £220,000 bridging loan in 9 working days, secured against both his existing home and the auction property.
Solution: We arranged a £220,000 bridging loan in 9 working days, secured against both his existing home and the auction property.
Outcome: Jonathan completed on time and later refinanced with a BTL mortgage.
Status: Emma bought a flat with no kitchen, making it unmortgageable. She planned to refurbish and flip it within 6 months.
Challenge: We secured a £145,000 bridging loan at 70% LTV, with rolled-up interest and a clear exit via sale.
Solution: We secured a £145,000 bridging loan at 70% LTV, with rolled-up interest and a clear exit via sale.
Outcome: She sold the property post-refurb and cleared the loan in 5 months with profit.
Status: Sam and Rebecca were in a long chain that collapsed last-minute. Their dream home was about to go back on the market.
Challenge: We arranged a £500,000 bridging loan secured on their current home, giving them time to sell later without losing the new property.
Solution: We arranged a £500,000 bridging loan secured on their current home, giving them time to sell later without losing the new property.
Outcome: They moved into their new home, sold their old one 2 months later, and repaid the loan.
A: We can arrange funds in as little as 5–10 working days, depending on legal readiness and property type.
A: No. You can roll up interest and pay it all at the end, or service it monthly if preferred.
A: Residential homes, BTLs, HMOs, commercial buildings, land with or without planning, and mixed-use properties.
A: Usually via sale or remortgage. We’ll help assess the best option before arranging the loan.
A: Yes. Because it’s asset-based lending, some lenders are happy to work with clients who have adverse credit.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
