Bridging Loans

Dynamo understands the importance of getting access to finance quickly as and when you need it.

Bridging loans are there for those moments when you need swift access to finance on a short-term basis. Our specialist team work with both high-street banks and specialist lenders to help you secure flexible finance that suits your personal requirements with funds usually available in an average of three to four weeks.

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What is a bridging loan?

A bridging loan is a short-term finance solution to help raise funds quickly until a longer-term solution can be found. They are priced monthly as you would usually pay the loan back in a matter of months. Interest is higher than on a standard residential mortgage and is paid in a lump sum at the end along with the original amount borrowed and any arrangement fees. A bridging loan is a secured loan meaning that there must be an asset to set against it. This can be one property or several, but you risk losing this asset if you cannot repay the bridging loan.

What can bridging loans be used for?

Short-term finance can assist in many different circumstances including:

To prevent a purchase chain from breaking
Land purchases prior to development
Buying property at auction
Property development, renovation and refurbishment
Purchasing uninhabitable or unlettable properties (e.g. investment properties with an EPC rating of F or G)
Securing ongoing residential purchases prior to the sale of your own (including older customers downsizing who do not qualify for mortgage lending)
Purchasing below market value
Short-term second charge funding
Paying off debts prior to obtaining longer-term finance
Commercial and residential purchases that require change of use
Cash flow difficulties
Avoiding repossession
Probate and inheritance tax bills

Case Studies

Fast turnaround for auction purchase

A client reached out to us for a bridging loan to secure a property at auction that required renovation but offered strong investment potential. Initially it was planned to use both the auction property and another of our client’s unencumbered properties as security for the loan, but after valuation issues arose, we adapted the strategy to charge solely against the unencumbered property. Through our proactive communication with both the lender and solicitor, we were able to resubmit the application and secured an offer immediately. (December 2025)

Consultant: Claire Ellis

Bridging applications and new property

A client wanted to buy a new home however their money was tied up in their current residential property and a semi-commercial, both of which were yet to sell. To avoid the risk of losing the new home, we arranged two bridging applications: one on the semi-commercial to fund the deposit and one on the new property to secure the purchase. This flexible option allowed them to purchase the new property and then switch to a term mortgage when their current properties sold. (September 2025)

Consultant: Jessica Folkes

Complex auction purchase completed within 10 working days

A first-time landlord secured three tenanted buy-to-let properties at auction, placing a deposit with no prior experience. The purchase came with a strict 10-working-day completion deadline and a legal pack containing multiple complexities, including short notice periods, penalty clauses, and hidden fees. Despite the challenges, our team acted swiftly to manage the risks and ensure a smooth transaction. Thanks to our expertise and proactive approach, the client successfully completed the purchase on time, demonstrating that even high-pressure auction deals can be delivered with the right support. (June 2025)

Consultant: David Horn

Bridging Loans

Dynamo understands the importance of getting access to finance quickly as and when you need it.

What can bridging loans be used for?

Case Studies

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