Mortgage Bridge Loan

Bridging the gaps in your property funding

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Funding options



  • 1-12 months
  • No maximum
  • Competitive monthly rates
  • Non-status and full status


  • Bridge short-term funding gaps
  • Interest roll-up schemes
  • Adverse credit? No problem
  • Funding can be available in 5 – 7 business days


  • Greenfield and Brownfield land
  • Up to 100% Loan to Value available
  • Land or premises purchase up to 70% of value
  • Commercial, residential and land

Talk to Rangewell – the business finance experts

If you want to move fast to secure a property bargain, you will sometimes need access to large amounts of funding quickly. At Rangewell, we know the lenders who can help.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Property is expensive to buy and sometimes you need to move fast to secure a deal. As a result, finding large-scale, short term funding can vital.

Being able to access large-scale funding fast can be vital to secure a property in a competitive market. A mortgage can provide long-term funding solutions, and specialist solutions exist for commercial property, buy to let and residential property. However, because of the needs for lengthy searches and valuations mortgages can take weeks or even months to arrange.

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There are many situations where a property deal must be completed quickly, and waiting for a mortgage to be arranged is impossible.

Specialised short-term Mortgage Bridging Loans are designed to provide the solution. Like a mortgage, they are secured on property, meaning that if you don’t make repayments, your property could be seized and sold.  However, unlike conventional mortgages, they can be arranged in a matter of days, helping secure

They recognise the need to move quickly, and offer rapid access to funds - although they tend to be relatively expensive, and only used until another finance product designed for the long-term, such as a mortgage, can be arranged.

Mortgage Bridging Loans are so-called because they are designed to bridge a short-term funding gap. Loan amounts start at around £25,000, and there is no maximum - but their main benefit is their speed: Bridging Loans can be arranged within a matter of hours, and funds released in as little as 72 hours, under certain conditions.

Large amounts are involved, and lenders offering Bridging Finance will carry out detailed checks and apply conservative lending criteria, but are able to make rapid decisions because they can work without the bureaucracy that slows down many traditional lenders.

When might you use a Mortgage Bridging Loan?

A Mortgage Bridge could be used whenever there is a short-term need for large-scale property funding. This might be when one property is being sold to finance the purchase of another, and when there is a delay in the sale of the first property, leaving a funding gap.

It can also be used where a deal must be arranged quickly, or when a property has been bought at auction, and funds must be provided at short notice.

What does short-term property funding cost?

Short-term finance is always more expensive than long-term lending. However, although the fees and interest rates for a Mortgage Bridging Loan can be relatively high because loans are for the short-term, the overall cost may have little actual impact on the long-term costs of a major purchase.

Interest rates charged will vary, depending on your circumstances and your business, and the deal to be funded. Current rates can range from 0.7-1.5% per month, with even higher rates for more difficult propositions.

In addition, there may be a number of fees, including an arrangement fee which can be 2% of the loan amount, an exit fee which can equal one month’s interest, and surveyors’ and legal fees. If the loan runs over the agreed term there will also be substantial penalty fees.

Repayment arrangements can vary. In some cases, all fees and interest can be rolled up into the loan, which can be settled with a single repayment.

In most cases, a Mortgage Bridging Loan is used as an interim solution for a property purchase and be paid off by a solution designed for the long-term, such as a Commercial Mortgage.

Why you need Rangewell to find the short-term property funding arrangements that are right for you

Most property loans involve large-scale funding, and getting the right deal can make a difference of tens of thousands of pounds.

Even a fraction of a percentage point can make a substantial difference to what you actually pay, while fees and penalties can complicate the position still further. There are many different lenders who may be prepared to offer funding. Each has their own approach to interest rates and fee arrangements, and comparing offers needs an expert eye.

At Rangewell, we know the lenders who can offer short-term property funding, and we can use our expertise to identify the deal that really is the most appropriate for you. Our knowledge can not only help you secure the funding you need - it can save you a great deal of cash.

We can help you find short-term funding quickly, and then work to find the most competitive source of long-term funding to replace them and reduce your costs.

Finding out more about short-term property funding

If you want to look at short-term funding for your property needs, contact us at Rangewell. Our experts can work with you to understand the solution that is right for you, and use our network of contacts to find the lender with the most competitive provider.



  • Find a mortgage bridge of over £1 million to secure a property bought at auction

  • Source funding to allow an company to buy a development plot on the day it became available

  • Found a lender to advance finance to buy a factory in 3 working days

  • Find funding to allow a developer to buy a row of houses from a local authority

  • Helped an industrial estate owner secure funds to buy an adjacent property at auction, ensuring scope for growth

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Fast decisions from specialist lenders
    Lenders will look at your credit profile, the value of the asset, and your exit strategy to make a decision in the shortest possible time.
  • Suitable for all types of property
    • Residential, commercial and mixed-use development • Conversion and refurbishment • Planning gain transactions • Part built development refinance
  • For property professionals
    Professional developers, investors and landlords can all use bridging finance as part of their overall funding strategy.
  • A single repayment
    Fees, interest and charges can be rolled up into a single repayment made at the end of the loan term, when an alternative fund source has been arranged.
  • Part of a professional funding plan
    Short term loans can provide a funding solution for development projects which can be refinanced at a higher value once work is completed.
  • Cost effective
    Interest rates can appear high - but the short term nature of bridging loans means that they are highly cost effective when properly used

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