Alphakey Mortgages

Bridging Loan

Bridging Loan

Fast, Flexible Short-Term Finance

Need funding quickly to secure a property or cover a short-term cash flow gap? Bridging loans offer a fast and flexible financing solution, ideal for time-sensitive situations where traditional mortgages don’t move quickly enough.

At Alphakey Mortgages, we provide whole-of-market access to regulated and unregulated bridging finance for residential, commercial, and investment purposes. Whether you’re buying before selling, funding renovations, or avoiding a property chain collapse, our expert brokers will source the most suitable solution—quickly and efficiently.

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Bridging Loan FAQs

What is a bridging loan?
A bridging loan is a short-term loan typically used to “bridge the gap” between buying a new property and selling an existing one. It can also be used for auction purchases, renovations, or urgent financial needs.
Most bridging loans are arranged for 1–18 months, depending on the purpose and exit strategy. We’ll help you structure the term based on your goals.
This is how you plan to repay the loan—usually through property sale, refinancing, or other incoming funds. A clear exit strategy is essential.
Yes. Many bridging lenders focus on the asset (property) and the exit plan rather than your credit score. We work with specialist lenders who assess cases individually.
In urgent cases, funds can be released in under 10 working days—depending on legal and valuation timelines. We prioritise speed without compromising on advice.

Why Consider a Bridging Loan?

Speedy Access to Funds

Arranged in days, not weeks—helping you act fast when opportunities or challenges arise.

Ideal for Non-Standard Situations

For auction purchases, or uninhabitable properties that need funding before longer-term finance is in place.

Flexible Lending Options

Choose from open or closed bridging loans, with rolled-up interest or monthly repayment options.

For Homeowners, Landlords & More

Ideal if you’re moving home, refurbishing to refinance, or managing a property portfolio.

Our Mortgage, Lending & Protection Services

Residential Mortgages

Access to residential mortgages from all UK lenders.
Residential Mortgages

Buy-To-Let Mortgages

Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages

Specialist Lending

We offer flexible lending solutions for unique situations
Specialist Lending

Mortgage Protection

Cover your mortgage if life takes an unexpected turn.
Mortgage Protection

Life Insurance

Protect your family’s future, no matter what.
Life Insurance

Insurance & Protection

Personalised cover for life, income, health, home, and more.
Protection Services

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.