It's Free to Speak to an Advisor, 7 days, 8am - 10pm

Large Bridging Loan

Book Your Free Mortgage Appointment
8am - 10pm, 7 Days a Week

0800 029 3757Speak to an Advisor - It's Free!
Reviews IO Logo

Read our 2000+ Reviews

Reviews Logo

What is a large bridging loan?

A large bridging loan is a substantial short-term borrowing secured against valuable assets, typically property. While the exact amount varies, it usually involves sums ranging from hundreds of thousands to millions of pounds.

These loans are often sought for significant property acquisitions or development projects, such as purchasing high-value residential or commercial properties, undertaking extensive renovations, or financing large-scale property developments.

Due to their substantial size, large bridging loans come with higher interest rates and stricter eligibility criteria compared to standard bridging loans.

Borrowers are required to undergo thorough financial assessment, including evaluation of income, assets, liabilities, and credit history. Additionally, strong repayment plans and viable exit strategies are essential to secure approval for a large bridging loan.

Speak to a Bridging Specialist - It's Free!
Video BG One Video BG Two
Service Icon

What are large bridging loans used for?

  • Paying off property loans: Use them to settle existing debts on development projects.
  • Beating bank delays: Get around slow bank processes.
  • Buying fixer-uppers: Get funds for properties needing repairs.
  • Quick property purchases: They help buyers grab opportunities fast.
  • Business needs: Use them for business expansions or urgent financial needs.
  • Refinancing loans: Improve loan terms or access more money.
  • Property makeovers: Finance renovations for homes or business premises.
  • Fixing property chains: Solve issues in property transactions.
  • Buying before selling: Secure funds for new homes while waiting to sell the old ones.

Speak to a Bridging Specialist - It's Free!

Our Customers Love Us

Reviews Stars2000+ 5-Star Reviews

Large Bridging Loan FAQs

Are large bridging loans a good idea?

Accorion Arrow

Whether large bridging loans are a good idea depends on individual circumstances and financial goals.

They can be beneficial for taking advantage of time-sensitive opportunities, such as quick property purchases or resolving property chain issues.

That being said, they typically come with higher interest rates and fees compared to traditional mortgages, so careful consideration of the associated costs and risks is essential.

Additionally, having a clear exit strategy to repay the loan is key to avoid potential challenges in the future. It’s recommended that you speak with a bridging specialist or mortgage broker to assess suitability based on specific needs and circumstances.

What is the process for repaying a large bridging loan?

Accorion Arrow

Repaying a large bridging loan typically involves fulfilling the terms outlined in the loan agreement.

This may include making regular interest payments throughout the loan term and repaying the principal amount in full by the agreed-upon maturity date.

The repayment process often involves having a clear exit strategy, such as selling the property or securing long-term financing.

It’s important to adhere to the repayment schedule and terms specified by the lender to avoid potential penalties or complications.

Working closely with a bridging specialist or mortgage broker can help navigate the repayment process effectively and ensure a smooth transition.

What benefits are there for having a large bridging loan?

Accorion Arrow

Large bridging loans come with several advantages:

  • Speedy Access to Funds: You can quickly get a substantial amount of money, allowing you to act fast on time-sensitive opportunities.
  • Flexible Repayment Options: These loans offer choices in how you pay back the money, making it easier to fit your financial situation.
  • Property Ventures: They support property investment activities, such as buying, renovating, or developing properties for sale or rental income.
  • Financial Help: Bridging loans help you overcome financial obstacles like bridging gaps in property transactions, settling debts, or addressing urgent business needs.
  • Avoiding Bank Hold-Ups: You can bypass the slow approval processes of traditional banks, obtaining fast financing solutions for pressing financial needs.
  • Seizing Opportunities: With access to significant capital, you can take advantage of promising investment opportunities, potentially yielding high returns.
  • Expanding Property Holdings: Large bridging loans allow property investors to grow their portfolios, acquire valuable properties, or undertake extensive renovation projects to boost property value.

Large bridging loans provide a swift means to secure substantial funds for various purposes, offering flexibility and agility to capitalise effectively on market opportunities.

What can I use large bridging loans for?

Accorion Arrow

Large bridging loans are a flexible financing option that can be used for various purposes:

  • Property Investment: They’re handy for buying, renovating, or developing properties to sell or rent out.
  • Business Expansion: Bridging loans can help businesses grow by funding expansions or addressing urgent financial needs.
  • Overcoming Financial Hurdles: They bridge gaps between property transactions, settle debts, or cover unexpected business expenses.
  • Capitalising on Opportunities: These loans offer quick access to funds, allowing borrowers to seize time-sensitive investment chances.
  • Refinancing Loans: They’re useful for improving loan terms or accessing extra funds for ongoing projects.

Overall, large bridging loans provide efficient financing for a wide range of needs, offering quick access to significant capital.

What information will you need for large bridging loans?

Accorion Arrow

To ensure a comprehensive assessment of your application for a large bridging loan, we’ll require the following information:

  • Property Details: This includes information about the property you’re offering as security for the loan, such as its value and condition.
  • Loan Amount: Let us know the specific amount of money you’re seeking to borrow.
  • Purpose of the Loan: Share details about how you plan to use the funds, whether it’s for property investment, business expansion, or other financial needs.
  • Repayment Plan: Outline your proposed strategy for repaying the loan, including the timeline and method of repayment.
  • Financial Information: Provide details about your income, assets, liabilities, and credit history to help us assess your ability to repay the loan.
  • Exit Strategy: Have a clear plan in place for repaying the loan, whether it involves selling the property, refinancing, or another approach.

By furnishing us with this information, we can customise a large bridging loan solution that aligns with your individual requirements and circumstances.

What is the difference between a large bridging loan and a standard bridging loan?

Accorion Arrow

The primary difference between a large bridging loan and a standard bridging loan is the amount of money accessible.

A large bridging loan typically grants access to a significant sum, often surpassing the limits of a standard bridging loan. This facilitates substantial property investments, business expansions, or other major financial ventures requiring ample capital.

On the other hand, a standard bridging loan provides access to a more modest sum of money, suitable for smaller property transactions, short-term financial needs, or urgent cash flow requirements.

The difference lies in the scale of financial support offered, with large bridging loans tailored for substantial endeavors compared to standard bridging mortgages.

What are the interest rates for large bridging loans?

Accorion Arrow

The interest rates for large bridging loans may differ based on factors like the lender, the borrower’s creditworthiness, and the loan-to-value ratio.

These rates usually surpass those of traditional mortgages because of the loan’s short-term nature and the accompanying risk.

It’s recommended to speak with a bridging specialist to understand the interest rates of large bridging loans.

What exit strategies are acceptable for large bridging loans?

Accorion Arrow

When it comes to repaying large bridging loans, borrowers have a range of viable exit strategies at their disposal.

These options include utilising proceeds from property sales, refinancing through long-term mortgages or alternative financing, leveraging business revenues or investment returns, accessing personal savings, settling with funds from inheritance or windfalls, liquidating other assets, or negotiating extensions with the lender if more time is needed.

These diverse avenues offer borrowers flexibility tailored to their unique financial circumstances and objectives.

Can you take out a large bridging loan with a bad credit history?

Accorion Arrow

Even if you have a poor credit history, obtaining a large bridging loan is feasible.

Lenders take into account various factors like the property’s value serving as collateral, the borrower’s repayment strategy, and the effectiveness of the exit plan.

However, individuals with bad credit might face higher interest rates or more stringent terms.

Working alongside experienced mortgage brokers specialising in large bridging loans can streamline the process and uncover viable options, even with imperfect credit histories.

8 Reasons to Choose UK Moneyman

Open 7 days a week until late.

We're flexible around your work and family, we'll be there when you need us.

Mortgage appointment at no cost to you!

No upfront fees payable, we are paid on results only.

You'll get your own dedicated case manager.

You'll always know who you are dealing with.

We're on your side, we work for you.

Getting your first mortgage can be a daunting experience. We’ll hold your hand all throughout the process.

Jargon-free insurance advice.

We'll recommend appropriate insurance products to ensure you can stay in your home, should you become seriously ill or unable to work.

1000s of potential options.

We shop around for the cheapest deal for you, saving you time and money.

We're experienced and knowledgeable.

There isn't a situation we haven't come across before, we fully understand your needs.

Your mortgage advisor will be with you every step of the way.

We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.

Large Bridging Loan Considerations


Accordion Arrow

Large bridging loans, commonly secured against property or valuable assets, offer lenders a safety net in case the borrower defaults on repayment.

Higher Interest Rates

Accordion Arrow

Due to their short-term nature and elevated risk, large bridging loans typically come with higher interest rates compared to traditional mortgages.

Speed and Accessibility

Accordion Arrow

A notable advantage of large bridging loans is their rapid processing, making them well-suited for time-sensitive transactions. With expert guidance from our team, bridging finance can be arranged swiftly, often within days.

Flexible Repayment

Accordion Arrow

Repayment terms for large bridging loans vary, ranging from monthly interest payments to initial repayment as the loan matures. Our advisors will carefully discuss these options with you to identify the most appropriate solution.

Exit Strategy

Accordion Arrow

Bridging lenders insist on a clear exit strategy, detailing how the loan will be repaid. This often involves securing long-term financing or finalizing the sale of an asset.


Accordion Arrow

While creditworthiness is taken into account, the approval of large bridging loans focus more on collateral value and the viability of the exit strategy.

Associated Costs

Accordion Arrow

Alongside interest rates, borrowers should factor in other costs such as arrangement fees, valuation fees, legal fees, and potential early repayment charges. Our advice process ensures transparent disclosure of all associated costs.

Risk Considerations

Accordion Arrow

Borrowers should assess the risks of large bridging loans, including potential difficulties in securing long-term financing or selling the asset within the anticipated time frame. Our team offers comprehensive advice to effectively reduce these risks.

UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

Equity Release Council LogoSolla Later Life Logo
Facebook Image X Logo Instagram Image YouTube Image LinkedIn Image SpotifyImage TikTok Image

Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm

Speak to an Advisor - It's free Enquire Online 0800 029 3757
We use cookies to enhance your customer experience. More detailsGot It