Why Use Residential Bridging Finance

Residential bridging finance is the ideal solution when you need fast, flexible funding to move on a property opportunity — without waiting months for a traditional mortgage. Whether you're buying your next home, releasing equity, or dealing with a chain-break scenario, a residential bridge keeps your plans moving.

Residential bridging is perfect for:

✅ Buying your new home before your existing one sells
✅ Breaking a property chain to secure your onward purchase
✅ Funding renovations before refinancing onto a mortgage
✅ Purchasing unmortgageable or non-standard properties
✅ Acting quickly on below-market-value opportunities
✅ Raising short-term capital secured against your home or investment property

At The Funding Group, we specialise in quick, stress-free residential bridging — giving you speed, certainty, and tailored guidance throughout the process.

Common Residential Bridging Use Cases

We help homeowners, developers, and investors secure bridging loans for:

🏡 Chain Breaks – complete your home purchase even if your buyer pulls out
🔧 Refurbishment Projects – upgrade, modernise, or extend before refinancing
💼 Downsizing/Upsizing – buy first, sell later, with no pressure
☑️ Unmortgageable Homes – properties with no kitchen, bathroom, or structural issues
🚀 Fast Purchases – move quickly on opportunities that mortgage lenders can’t support in time
💷 Equity Release – raise short-term capital for deposits, business use, or personal plans

Every residential bridging case is unique — so we structure the loan around your timeline, property, and exit strategy.

How We Work

At The Funding Group, we move quickly — while keeping everything simple and stress-free.

📞 Initial Chat (Same Day)
We assess your situation, confirm the loan is viable, and explain your options clearly.

📄 Indicative Terms Within 24 Hours
We match you with lenders based on speed, rates, property type, and exit strategy.

🏠 Valuation & Legals
We work closely with valuers and solicitors to keep everything on track from day one.

💷 Fast Completion
Many clients complete within 10–14 days, and urgent cases can move even faster.

We don’t just find you a lender — we manage the entire process to ensure a smooth, timely completion.

Need a Residential Bridge? Move Fast, With Confidence

We're here to help you secure your new home or investment without delays.

✅ Fast decisions
✅ Transparent advice
✅ Support from real experts

👉 Get a same-day quote or call 08000 699 500

Residential Bridging FAQs – Answered

How much can I borrow?
From £50,000 up to £10m+, depending on equity and property value.

Do I need perfect credit?
No — residential bridging is flexible. We focus on property value and exit strategy.

How long are residential bridging loans?
Typically 3–18 months, with early repayment usually free of penalties.

What interest rates are available?
Rates start from 0.55% per month, depending on loan size, property, and risk profile.