Bridge Loan

Fast, Flexible Short-Term Financing.

Bridge loans are short-term borrowing solutions designed to “bridge” financial gaps, often used for property purchases before selling another property or quick business acquisitions.

Benefits

  • Rapid access to funding

  • Flexible repayment terms

  • Ideal for auction purchases and urgent deals

  • No early repayment penalties (depending on lender)

What Is a Bridge Loan?

A bridge loan (or bridging finance) is a short-term secured loan designed to “bridge” a financial gap — typically between the purchase of one property and the sale, refinance, or development of another.

Bridge Loans Are Commonly Used When:

  • A property must be purchased quickly (e.g. at auction)

  • Traditional mortgage processes are too slow

  • Funds are needed prior to sale or remortgage

  • A property is unmortgageable in its current state (e.g. no kitchen, no bathroom)

  • Developers need cash flow between phases

  • Investors are acquiring, refurbishing, or flipping property

Loan terms typically range from 1 to 18 months, with repayment made via property sale, refinance, or long-term mortgage exit.

Why It Matters

Speed is everything in property. Bridge loans provide fast access to capital when traditional mortgages can’t deliver on time — or when your project or opportunity doesn’t yet qualify for a standard loan.

Bridging Finance Allows You To:

  • Complete quickly and avoid losing a deal

  • Access capital without selling existing assets

  • Fund refurbishment, conversion, or planning applications

  • Use non-standard, non-income-based lending criteria

  • Unlock complex deals with speed and certainty

Done right, a bridge loan is not just emergency funding — it’s a strategic tool.

Who Is This For?

Our bridge loan service is ideal for:

  • Property investors buying below market value or flipping

  • Auction buyers with tight deadlines

  • Landlords bridging between sale and onward purchase

  • Home movers needing to buy before they sell

  • Developers funding pre-construction or exit stages

  • HNW clients seeking fast cash flow without liquidating assets

Whether it’s a flat in need of renovation or a million-pound chain-breaker, we tailor finance to your deal.

How Does the Process Work?

At Matwill Capital, we work with private lenders, specialist bridging providers, and family office-backed funders to deliver:

  1. Deal Assessment & Exit Strategy
    We review your project, timeline, and repayment plan — such as resale, remortgage, or asset release.

  2. Valuation & Security Structuring
    Loans are secured against UK property or land. We help structure 1st or 2nd charge finance depending on your asset and leverage.

  3. Funding Proposal & Term Sheet
    We prepare a lender pack with valuation, legal titles, and project summaries — ensuring fast, risk-assessed offers.

  4. Legal & Underwriting Coordination
    Bridging timelines are fast — we work with solicitors and valuers to complete within days or weeks, not months.

  5. Exit Monitoring & Refinance Support
    We help you refinance into long-term borrowing or manage the disposal process smoothly when the time comes.

Client Success Story

Auction Buyer Secures £385K in 9 Days

Our client secured a terraced property at auction for £550,000 and needed to complete within 14 days. The property lacked a functioning bathroom — making it unmortgageable.

Matwill arranged:

  • A £385K bridge at 0.75% monthly interest (12-month term)

  • Completion within 9 days from instruction

  • Refinance strategy into a BTL mortgage post-renovation

  • Legal liaison and survey coordination across two counties

“Without this bridge, I’d have lost the deposit and the deal. Matwill delivered exactly when I needed it.”
— S. Patel, East London

Frequently Asked Questions

How fast can I get a bridge loan?
In urgent cases, funding can be arranged in 5–10 working days, provided documentation and valuation are ready.

What is the typical loan term?
Usually 1 to 12 months, extendable up to 18–24 months in some cases. Early repayment is often allowed without penalty.

What are the interest rates?
Rates start from 0.6%–1.2% per month, depending on the deal size, LTV, borrower profile, and asset type.

Is income proof required?
Not always. Many bridge lenders focus on asset value and exit strategy, not income or credit score.

What if I want to borrow against multiple properties?
No problem. We can structure multi-asset, cross-collateralised bridge loans — useful for larger projects or portfolio liquidity.

Why Choose Matwill Capital?

  • Access to specialist, private, and institutional lenders

  • Experience with auction, renovation, and time-critical deals

  • Support for 1st and 2nd charge loans, residential or commercial

  • Full deal packaging — from term sheet to solicitor coordination

  • Transparent costs, clear strategy, FCA-regulated service

Ready to Fund Your Project?

Move Fast. Move Smart. Move First.
When opportunity knocks — you need speed, clarity, and the right finance behind you.
We make it happen.