The situation
Main home bridges include chain-break, downsizing before sale, or short-term capital release ahead of a longer-term event. All FCA-regulated, all subject to affordability and suitability testing.
How we approach it
We arrange regulated bridging where genuinely appropriate — including exploring whether the requirement could be met by a further advance or second charge instead, which are often cheaper.
What that looks like in practice
- FCA-regulated — full consumer protections apply
- Interest usually rolled — no monthly payments during term
- 12-month typical term, extension possible
- Alternative products (further advance, 2nd charge) evaluated first
- Clear, realistic exit — sale, downsize, refinance
Typical timeline
- Week 1-2Suitability assessment, exit strategy modelled, terms issued.
- Week 2-4Valuation, legal, underwriting.
- Week 4-6Offer, drawdown.
Common questions
Is regulated bridging always the right answer?
Often no — a further advance from your existing lender or a second charge is often cheaper. We assess these first.
What's the exit?
Sale of the home (typical for downsize/chain-break) or refinance onto term mortgage. Exit has to be credible before drawdown.
How much does it cost?
Usually 0.75-1% per month plus arrangement fees. Total cost over a 6-month bridge is significant — we spell it out clearly upfront.
Regulated advice, honest first
We'll assess whether bridging is actually the right route — or whether a further advance or 2nd charge fits better.