Bridging Finance

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At Principle Finance our specialists have access to wide range of bridging finance lenders and can quickly find the most efficient and suitable route to meet your timescales, “bridging” the financial gap between the sale of your old property and the purchase of a new one.

This lending option can be useful as a short-term finance option as they are often fast and flexible, with loans typically ranging in terms from 1 to 12 months and from £50,000 to £25m.

At Principle Finance our specialists have access to a wide array of bridging finance lenders and can quickly find the most efficient and suitable route to meet your timescales.

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It’s easy to get a quote. Simply complete this form and a member of our team will happily be in touch.

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Why choose Principle Finance

We are a finance company built on strong principles! We are on a mission to be honest, customers focused and comprehensive.

  • You’ll have a dedicated point of contact.
  • We’ll only provide you with the best deals.
  • Hundreds of happy customers.
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2 minute online process

Our online form will take no longer than 2 minutes!

Response within 4 hours

We’ll get back to you within 4 hours during office time.

Tracked application progress

Your application is tracked so you can check progress.

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Our process is simple

From business to personal, we are experts in providing loans, mortgages and insurance services.

  • Apply Online directly with our team of experts.
  • Get a quote from top UK lenders.
  • Approve your finance.
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“Great communication and made everything easy. Highly recommend”

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“Brilliant service and Luke made the process easy and pain free”

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Frequently Asked Questions

Here are a few of the commonly asked questions we get.
But if you need something answering you don’t see, contact us.

  • Also known as a bridging loan, bridging finance is a short-term funding solution that can be arranged very quickly, and where a standard residential mortgage or commercial loan is not suitable.

  • There are a few major reasons why bridging finance may be right for you:

    • The property that you wish to raise money against is not mortgageable in its current condition
    • Refurbishment is required on the property and traditional lenders will not accept it
    • The funds are needed more quickly than a traditional lender can provide them
    • You are unable to raise money using a traditional mortgage.

    Whatever your goal, the key is to ensure you are taking out the loan for the right reason and your exit is viable. Taking a bridging loan with no viable exit will generally result in nothing but an expensive delay of the inevitable.

  • Bridging finance can often stretch to heavy refurbishments, but once external walls are being moved or extensions added, a full development finance loan is often required. Development finance will always require regular monitoring and structural work whereas a bridging refurbishment loan may not.

  • Bridging finance can be provided up to a specific loan to value (LTV) which is set for a specific term. The interest is quoted monthly but will be rolled up and deducted from the loan in advance. Some lenders are able to either add the interest to the loan or, will allow the client to service the interest on a monthly basis.

The Financial Conduct Authority does not regulate commercial lending.