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Bridging Loans

Get the support you need to make the next step

If you’re moving house and need funds to bridge the gap between property payments, or mortgage settlements, a bridging loan can help. At Norton Finance, we search through hundreds of plans to find a loan that suits you - so no matter your financial situation.
  • Massive choice

    We search the market from over 600 plans.

  • Flexible terms

    You can choose to spread the cost over any term from 1 to 30 years.

  • Here to help

    Even if you have a poor credit history or CCJs, are self-employed or even retired.

Looking for a larger amount?

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Unlike a bank we can search wider to find you the best products. So you get more choice not more rejections, even if you have a bad credit history. And that’s more than any bank can offer

What is a bridging loan?

A bridging loan is a type of secured, short-term loan. They’re typically taken out when purchasing a new property before a current home is sold. It is most suitable for landlords and developers but can also be used by general homeowners to ensure property repayments, such as a mortgage, are covered.

How do bridging loans work?

A bridging loan is intended as a short-term solution, and is commonly used for purchasing property to ensure the sale is completed on time. Because they’re short term, they are typically offered at a higher rate than other loans, including mortgages, and presented as monthly rates rather than the more common APR.

A bridging loan allows you to get your hands on the keys for your new home without delay, helping you plan for the future without waiting around.

What can I use a bridging loan for?

Bridging loans are mostly used for property-related purchases, to help get your foot on the ladder, such as:


Mortgage payment

You can use a bridging loan to cover a mortgage payment, allowing you to purchase property even if you are still selling your current one.

Property development

A bridging loan ensures developers have the finances to begin renovations and get the property back on the market in no time.


We all dream of building our own home - with a bridging loan, this can become a reality.

Paying a deposit

If you buy a house at an auction, you will need to provide the deposit upfront - this is where a bridging loan can help.

Bridging loan vs mortgage

Although both different types of loan, there is one big difference between mortgages and bridging loans. A bridging loan is often used when you are waiting on the sale of a property to go through, to cover costs and ensure no delays. It can help you break the chain of moving house, ensuring the sale doesn’t fall through, giving you the funds needed to move things along. It is a short-term solution and the debt is paid through the eventual proceeds of your sale. Meanwhile, a mortgage is a longer-term debt, usually repayable over 20-30 years.

Is a bridging loan a good idea?

A bridging loan can help move a house sale along, so you don’t need to delay on plans of renovation or just moving in. However, it’s important to note that it is a short-term loan and therefore is offered at a higher interest. You’ll need to account for arrangement fees, legal fees and exit fees in some cases, so it’s a good idea to be sure you can confirm the sale beforehand. Our bridging loans calculator can help you get an idea of what the costs will look like.

Applying for a bridging loan

Applying for any type of loan shouldn’t be taken lightly. We’re here to help you every step of the way to achieve the funds you need. Once you apply, we’ll search hundreds of plans to find a loan that works for your situation, regardless of whether you have a poor credit score, are retired or dealing with CCJs. We work with a wide network of responsible lenders to provide the funds you need to secure your new property.

Am I eligible for a bridging loan?

Before applying for any loan, it’s important you check your eligibility. Whatever your financial situation, we can help. We provide support for customers from all kinds of backgrounds - whether you are a pensioner, self-employed or have a bad credit history there is a loan for you. With access to over 600 plans and a huge range of lenders, we can find the best loan for your circumstances. Not only that, you’ll receive an instant decision in principle from us, so you can go ahead with your application, helping you move forward with your purchase.

What do I need to apply for a bridging loan?

You can get started with your application online. We will ask for a few details to begin your application, including the loan amount you require, personal details and address.

Once these have been received, we will be in touch to find out more information about your situation. Have the details below to hand to ensure we can move your application along without any delay.

Bridging Loan FAQs

Please click below for the answers to our most commonly asked questions. If you can't find the information you need, call us free on 0800 694 5566 and one of our advisers will be happy to help.

How much can I borrow?

If you choose Norton Finance to broker your loan, you can borrow between £3,000 and £500,000.

What are the interest rates?

The interest rate you pay will depend upon your financial history and current situation.

Are there any loan fees?

There are fees to consider, including exit and valuation fees. However, we are a broker not a bank, so receive a commission from the lenders we work with.

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