First 4 Bridging provides a personal and highly specialised bridging loan service. With our extensive market knowledge and close relationships with specialist lenders,
First 4 Bridging is one of the UK’s leading master brokers.
For Intermediary use only and not for the general public.

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What is Bridging?

Bridging loans are short-term loans that, like a mortgage, are secured against property or land. They are generally used to provide a temporary cash injection. But while most clients typically take out a bridging loan of up to 12 months, we can arrange bridging loans of up to three years.

Speed and convenience are two of the main advantages of short-term funding. Bridging finance is much faster and easier to arrange than a conventional mortgage and can provide rapid funding. The application process is considerably more flexible and involves fewer rigid lending criteria.

As the name suggests, bridging loans are generally used to bridge a gap between two transactions. For example, if your client wishes to buy a property at auction, a bridging loan would be used to complete the purchase and would then be paid off when the borrower refinances onto a conventional mortgage.

FAQs

Yes but we may ask for an accountant’s letter or a tax return to verify your clients’ financial position.
No, but you can secure the bridging loan against a property in England, Scotland or Wales and then use the proceeds to purchase a property abroad.
We lend against residential and commercial properties, and also on land.
You can have the money in a matter of days.
Providing there is enough equity in the property, we can arrange to exempt ‘second charge’ behind the first mortgage. Think of it as two mortgages on the same property.
Yes. Please contact us directly and we’ll explain how we can work with you and your clients.
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