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Bridge to Let

Competitive Interest Rates

Up to 80% Loan to Value

No minimum term

Bridge to Let

Short-Term Funding With A Guaranteed Exit Option

We source bridge to let loans that are specifically designed for the buy to let (BTL) market, enabling investors like you to fund your next property purchase using bridging.

Bridge to let loans can also, but not necessarily, be arranged with a predetermined exit strategy built-in such as a BTL mortgage via the same lender if required.


We have access to lenders who offer a guaranteed exit to into a term buy to let after a certain time. 

Who Can Apply For Bridge To Let?

As long as your asset(s) are in the UK our residential bridging finance is open to both UK and foreign nationals including onshore and offshore borrowing vehicles.

So whether you are a trading limited company, an SPV or applying individually, as long as you are the legal property owner, or will be once the property transaction has completed, then we can obtain the funding you require without delay.

Lending Criteria

Loan to value (LTV): Up to 80% as a 1st charge

Charge: 1st charge

Loan term: 3 to 24 months with conversion into a BTL Term Loan. No exit fees when converting from the bridge to a BTL. 

Location: England, Wales, Scotland & Northern Ireland

Loan amount: £26,000 to £25m

Interest options: Serviced, Retained, Rolled-up

Interest rates: from 0.8 % per month

Decision: within 1 day

Completion: 10-14 working days

Exit strategy: sale or refinance

The Following Topics Are Covered

Author- Aakash Nagrani CeMAP CeRER

What Is Bridge To Let Finance?

At its most simple, bridge-to-let finance refers to bridging loans that fund the initial purchase of rental properties – usually those requiring refurbishment or, in some cases, further works.


You might find it called a number of different things, but, by any name, it can be a convenient and cost-effective option for landlords or property developers taking on a new project.  

The idea is an almost seamless transition from the specialist funding – the bridging loan – needed to secure a property ineligible for a standard mortgage, to its exit onto buy-to-let finance.

When Is A Bridge To Let A Good Choice?

Unlike traditional mortgages, which can take months to arrange, bridging finance is short-term and can be processed in a matter of days or weeks.

Generally speaking, bridging loans exist – as you might expect – to bridge a gap in financing. The classic example for homeowners is when a borrower is caught in a chain but needs immediate access to funds to secure their next property.

They can also be the solution when you want to purchase a property that is not currently eligible for a regular mortgage (e.g. when the property is lacking an essential element such as a kitchen or bathroom).

In a buy-to-let scenario, a bridging loan is most likely to be needed when a rental property requires some refurbishment or development before it is fit for letting.

As well as the speed they offer, bridging loans tend to be a highly flexible source of finance and many lenders will take a case-by-case approach to their underwriting. In short, they can allow developers and landlords to seize opportunities that high street lenders don’t currently offer. With a bridge-to-let loan, this is coupled with the security of having your longer-term plan in place from the start.

With a bridge-to-let loan, you may or may not be tied into moving on to buy-to-let finance from the same provider, and borrowers will consider the pros and cons of locking in their exit versus keeping their options open to pick the best offer available at the time

What Security Will I Need For A Bridge-to-Let Mortgage?

Security for a bridge-to-let mortgage is a first charge over the property and most lenders will offer you up to around 75%  to 80% of the property’s market value.


Personal guarantees are also required if you are putting the investment into a limited company.

Title insurance might be asked for as a backstop.

What Does A Bridge To Let Mortgage Cost?

As with any mortgage, rates differ based on the borrower’s history and the amount of LTV required. 

In addition to interest, you should budget for an arrangement fee of around 1% and solicitors’ costs to put the security in place. For a full breakdown of the initial costs, please follow our calculator 

The lenders we work with do not require an early exit fee. 

Advantages Of A Bridge To Let Loan?

Different Bridge-to-Let mortgages offer you different advantages, so depending on which you choose you can see: 

  • Lower interest rates than traditional bridging loans, for example, when the lender knows the intended exit is Buy-to-Let our Bridge-to-Let rates tend to start lower

  • A complete financial package that takes you from the initial purchase through to renting the property out

  • Lower security and arrangement fees

  • The possibility of releasing equity in the property at the refinancing to mortgage stage if the property’s value has gone up sufficiently.

What does a Bridge to Let loan cost?
When is a Bridge to Let a good choice?
What security will I need for a Bridge to Let mortgage?
What is Bridge to Let Finance
Advantages of a Bridge to Let loan?

Case Study 

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