MORTGAGE Bridging Finance, Loans & Advice Specialists

MORTGAGE Bridging Finance, Loans & Advice Specialists

Our expert team can assist you in finding the perfect Mortgage. We conduct a whole of market search to match you with the perfect lender.

Bridging Loans for House & Property Purchases

A bridging loan is a short term way of borrowing money, essentially to ‘bridge the gap’ before a standard mortgage can be arranged on a property. Bridging loans are most commonly used to purchase a property at auction, where the funds are often required within 28 days which does not allow enough time for a mortgage to be arranged. Another use for a bridging loan may be if you wish to purchase a new home before your old one is sold to ensure you have the available funds when needed, or if a property is unmortgageable and funds are needed to improve the property to enable a traditional mortgage to be arranged. It’s crucial to note that bridging loans are short-term finance, and the idea is that a mortgage will be arranged within 6-12 months in order to repay the loan.

How much deposit do I need for a bridging loan?

Unlike standard mortgages, bridging loans have much lower Loan to Value restrictions, meaning a higher deposit is normally required. It’s unlikely you’d be able to raise a bridging loan with just a 5% or even a 10% deposit, whereas most standard mortgage lenders do enable loans of up to 95% Loan to Value. Bridging loans are typically capped at 75% Loan to Value, meaning you will need to supply at least 25% of the property purchase price as your deposit.
Mortgage Broker Essex

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Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

When does a bridging loan need to be repaid?
Bridging loans are typically arranged on a ‘closed’ or an ‘open’ arrangement. Closed loans have a fixed repayment date, which is where the buyer will be able to anticipate the date a loan will be paid off. For instance, if you are waiting for your property sale to complete before having the funds available to repay the loan, and have a set exchange/completion date. An open bridging loan has no fixed repayment date and can be repaid whenever the funds become available, however typically bridging loan providers require the loan to be repaid within a year.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna