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Lending Experts

We’re bridge loan experts. This means we know our stuff when it comes to loans! We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one bridging lender which means we can search the wider market to find you the cheapest loans from across the UK.

Approved & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a loan we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help.

FAQ's

What is a bridging loan?

Bridging loans are specifically designed to bridge the gap between one form of finance to another. They are usually a short-term solution for covering the period between the sale of one property and completion date on another. They are also referred to a bridge loans or bridge finance and typically are range from 3, 6 and 12 month terms. Request a quote above to learn more about how we can help.

What fees do I have to pay?

Bridging loans charge a monthly rate of interest and typically you would pay an arrangement fee and possibly an exit fee when you redeem the loan. There will also be fees for the property valuation and legal fees for both lender and borrower to pay. Request a quote above to learn more about how we can help.

How quickly can I get the money?

Bridging loans can be arranged and paid out quickly. If you need the money urgently or by a specific date then the lender will do their best to accomodate your time frames. Request a quote above to learn more about how we can help.

What kind of security is required?

Security would be required against the property either on a 1st charge or 2nd charge basis. For example this can either be your home, a buy to let property or commercial property such as a shop or office. The broker and lender will be able to advise on how much security is required and how this effects the amount you are able to borrow. Request a quote above to learn more about how we can help.

Can I still borrow with bad credit?

Yes. Many lenders will consider adverse credit. Request a quote above to learn more about how we can help.

Can I use a bridg loan to buy property at auction?

Yes. A Bridge loan is a popular option for those who wish to finance and buy a property at auction. Bridging loans can provide a funding solution against an unmortgageable property. For example when you wish to buy a property in poor condition and requires extensive modernisation. Request a quote above to learn more about how we can help.

Can you provide loans when a property chain has broken down?

Yes. We understand how frustrating it can be when you're house buyer pulls out of the sale or the chain collapses and you're stuck unable to buy your next home. This is where a short term loan such as bridging finance can help 'bridge the finance gap' until your house sells. Request a quote above to learn more about how we can help.

Is this type of finance suitable for buy to let property?

Yes. Bridging loans can be used for many purposes such as chain breaks, buying unmortgageable property at auctions and purchasing commercial property and buildings. Request a quote above to learn more and to see how we can help.

Do I need to use a solictor?

Yes. Simiilar to taking out a mortgage or second mortgage you'll need to appoint a solicitor to handle the funds and security for the loan. There will be solictors legal fees to consider as part of the loan application. These fees are explained upfront and are typically added to the loan amount.

Do I need to use a surveyor?

Like taking out a mortgage the lender will need to value your property to ensure it is adequate security for the loan. The lender will appoint their own surveyor or valuer to assess the market value of the property and to report on this. There will be fees you will need to pay to cover the cost of this.

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on a bridging loan or any other debt secured on it.

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