A bridging loan is a short-term financing option secured against property, whether residential or commercial. Traditionally used to bridge the gap in a broken property purchase chain, bridging loans have evolved over the years and are now used for a wider range of purposes, thanks to the increasing number of lending providers entering the market.

At Charleston, our expert bridging finance team offers some of the best-value, tailored bridging solutions available. Not only do we secure flexible bridging loans for our clients, but we also arrange exit strategies, often on terms that are exclusive and not commonly found in the wider market. This ensures our clients have a clear and secure plan in place before completing their loan.

Bridging loans can be arranged under various circumstances and terms, including but not limited to:

• Breaking a property chain
• Limited company applications
• Light to extensive refurbishment projects
• Stage payments for renovations
• Auction purchases
• Non-mortgageable properties
• Properties requiring refurbishment (light, medium, or heavy)
• Comprehensive development bridging
• 100% financing options
• Purchasing below market value

Key Features of Our Bridging Loans

• Up to 80% loan-to-value (LTV)
• Rates from 0.49% per month
• No exit fees
• Loan terms available up to 24 months
• Interest options: retained, rolled-up, or serviced
• Both regulated (personal homes) and unregulated loans
• Available for residential and commercial properties
• Whole-of-market expert advice
• Access to exclusive products from Charleston

We can arrange an agreement in principle within one working hour of your enquiry. With no upfront or application fees, and no obligation to proceed, the process is completely hassle-free.