Liddle Perrett Mortgage Broker

Residential Bridging Finance

Bridge the Gap: How Residential Bridging Finance Can Make Moving Home Easier

Residential Bridging Finance

Bridge the Gap: How Residential Bridging Finance Can Make Moving Home Easier

Moving home is exciting — but when buying and selling don’t line up, it can quickly become stressful. You might find your dream property before your current home sells, or a buyer might pull out at the last minute, leaving you in limbo.

That’s where residential bridging finance comes in. This short-term solution helps you “bridge the gap” between buying your new home and selling your old one, giving you the funds, flexibility, and peace of mind to move on your own terms.

Our Simple Process To Success

Residential bridging finance offers a fast, flexible way to secure your new home before selling the old one — bridging the gap for a smoother move. Contact us today to review your options

  • Get to Know You:

We run through a detailed fact find and really get to understand you and your borrowing needs.

  • Market Research:

We research the market including options that are not available on the high street to match your particular needs with lending options.

  • Your Options:

We present you with our findings, residential bridging finance, and explain in detail the pros and cons of each option. We answer any questions you may have.

We’re here to offer advice, support, and help all the way through the process to your final decision.

  • The Paperwork:

We complete all of the paperwork for you and manage all the communications with the lender so that you don’t have to, and we’ll help you answer any additional queries.

  • Residential Bridging Finance Secured:

We keep in touch for as long as you need support. Our after-sales care is second to none, and we know that you may have some questions afterward. So we’re here for as long as you need our advice.

What is a Bridging Loan?

A bridging loan is a short-term, property-backed loan that provides fast access to funds while you wait for your existing property sale to complete.

For example, if you’ve found your next home but haven’t yet sold your current one, a bridging loan can give you the money to buy first and sell later. Once your old property sells, you repay the loan in full. It’s a temporary, flexible solution that helps home movers avoid delays, stress, and lost opportunities.

Residential Bridging Finance is Regulated by the Financial Conduct Authority
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Key information about Residential Bridging Finance

  • This type of loan is especially popular among UK home movers because it solves a common timing problem. If you’re stuck in a property chain, one delay can hold everything up — or even cause your sale or purchase to fall through.

    With a bridging loan, you can step out of the chain completely, buy your new home, and complete your move without waiting on others.

    In fact, around one in four bridging loans are used to prevent chain breaks — helping people move without disruption or disappointment.
  • Residential bridging finance is a short-term, flexible solution; it comes with higher interest rates and setup costs than a standard mortgage.

    It should always be used as a temporary solution, typically for a few months, until your old property sells or you arrange longer-term finance.

    It’s also essential to have a clear repayment plan (known as an exit strategy) in place. Most borrowers repay the loan as soon as their old home completes its sale.
  • That’s why getting advice from an experienced mortgage broker is crucial.

    A broker can help you find the most suitable lender, explain the costs, and make sure bridging finance is the right fit for your situation.

Bridging the Gap with Confidence

At Liddle Perrett, we understand how stressful it can be when buying and selling don’t align. Our team can guide you through your options and help you decide if a bridging loan is the best way to move forward.

With the right advice, residential bridging finance can give you the freedom and flexibility to move into your new home without delay — and without the stress.

If you’re ready to make your move smoother, talk to our team today about residential bridging finance and how it could help you bridge the gap between selling and buying.
FAQs: Bridging Loans for Moving Home
What is a bridging loan?

A bridging loan is a short-term loan secured against property that helps you buy a new home before selling your current one. It “bridges the gap” between transactions, giving you quick access to funds when timing doesn’t line up.

Most bridging loans last between 3 and 12 months, depending on your circumstances. They’re designed as temporary finance until your property sells or you arrange longer-term funding such as a mortgage.

Bridging loans are available to homeowners, property investors, and developers. For movers, they’re ideal if you’ve found your next home but haven’t yet sold your current one. Lenders usually require sufficient equity in your property and a clear repayment plan (exit strategy).

You can usually borrow up to 75% of your property’s value, depending on your equity, credit profile, and the lender’s criteria. A broker like Liddle Perrett can help you compare lenders and find out how much you could borrow based on your situation.

One of the biggest advantages of bridging loans is speed. Some lenders can approve and release funds in as little as 5–10 working days, and in urgent cases, within 24–48 hours. This makes them ideal for chain breaks or time-sensitive purchases.

What are the costs of a bridging loan?

Bridging loans have higher interest rates and setup fees than standard mortgages because they’re short-term. Costs may include:

  • Monthly interest (often between 0.5% and 1.5%, equivalent to 6%–18% annually)
  • Arrangement and valuation fees
  • Legal and exit fees

Your broker will give you a full breakdown before you apply.

A mortgage is a long-term loan for buying a property, while a bridging loan is short-term finance to cover a gap between selling and buying. Mortgages take longer to arrange but offer lower rates, while bridging loans are faster and more flexible.

Not always. While most home movers repay the bridging loan when their property sells, others may refinance into a standard mortgage instead. Your exit strategy (repayment plan) must be clear before you take out the loan.

Yes – most residential bridging loans in the UK are regulated by the Financial Conduct Authority (FCA), offering you protection and ensuring transparent lending practices. It’s important to work with a reputable, FCA-authorised broker.

At Liddle Perrett, our experienced mortgage brokers can assess your circumstances, explain how bridging loans work, and find the most suitable lender and terms for your move. We handle the details, so you can focus on making your next home move stress-free.

Read our Articles about Equity Release

What People Say About Us

Client Testimonials

Always sound advice and the passion shown to take on board concerns and ideas to offer that advice and get the best deal is highly personable and reassuring
We have always found David and his team extremely professional and easy to deal with. we have recommended him to several of our friends.
Thank you David and Jade for all your help and advice, always, and for your kindness and efficiency. This is much appreciated.

Important Information

For advice and guidance on your residential mortgages drop a member of our team a line, and we can take a look at your personal circumstances and help you find the best mortgage and protection products to suit your needs.

Liddle Perrett Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority.

The information contained within was correct at the time of publication but is subject to change.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE