Short-term funding for auction purchases, chain breaks, and time-critical opportunities — arranged fast, with a clear exit from day one.
Bridging finance covers the gap when speed matters more than a low headline rate — always with a clear plan for how it gets repaid.
Auction completions typically require funds within 28 days — bridging finance can move fast enough to meet that deadline.
Bridge the gap between selling one property and completing on the next, without losing your onward purchase.
Fund a property that needs work before it can be mortgaged conventionally, then refinance onto a standard product once complete.
Loan size, term, and — critically — your exit strategy: sale, refinance, or another repayment route.
We match your case against bridging lenders who can move within your timeframe.
Bridging moves quickly, but valuation and legal work still need to happen — we keep this moving in parallel.
Funds released, often within days of legal completion. We help plan the exit from day one.
Estimate your monthly cost and total interest over the bridge term. This is a guide only — not a loan offer.
Bridging can complete in as little as 5-10 working days in straightforward cases, though timelines depend on valuation and legal work.
Typically sale of the property, refinance onto a standard mortgage, or receipt of funds from another confirmed source. Lenders will want this clearly evidenced before lending.
Bridging rates are higher than standard mortgages, reflecting the speed and short-term nature of the lending — it's priced for convenience over a period of months, not years.
Yes — this is one of the most common uses. Bridging can fund a purchase and light works, with the plan to refinance onto a standard mortgage once the property is habitable and mortgageable.
Ace Finance UK arranges unregulated finance products only, including commercial mortgages, bridging finance, and development finance. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it. Calculators on this site provide estimates only and do not constitute financial advice or a loan offer.
Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated mortgage contracts and do not provide regulated financial advice of any kind.