Portfolio Bridging Loans
Flexible short term finance secured across multiple properties, ideal for landlords, investors and portfolio refinancing
Flexible Finance for Landlords and Investors with Multiple Properties
If you need short term funding across several properties, portfolio bridging finance could be the right fit. Whether you are expanding, refinancing or restructuring your portfolio, this type of loan helps you unlock equity, raise capital or consolidate borrowing across multiple assets.
At Bridging Finance Broker, we arrange tailored portfolio bridging loans designed to support landlords and investors with complex ownership structures, mixed property types and time sensitive investment goals.
What Are Portfolio Bridging Loans?
Portfolio bridging loans are short term secured loans that allow you to raise capital using multiple properties as security. They are ideal for landlords, property companies and developers who need a flexible funding solution across more than one asset.
Common reasons to use portfolio bridging include:
Releasing equity from several properties
Funding a new purchase without needing to sell
Consolidating existing bridging loans into one facility
Leveraging a high value portfolio to access a larger loan
By using multiple properties together, often through cross charging, you can access higher loan to value ratios, larger funding amounts and potentially better terms from specialist lenders.
Why Use Portfolio Bridging?
Larger loan amounts
Combine multiple assets to raise capital
Flexible structure
Secure funding across residential, BTL, and commercial
Cashflow freedom
Roll-up interest and repay via sale, refinance, or income event
Avoid piecemeal borrowing
One facility across your full portfolio
Who Is Portfolio Bridging Finance For?
Professional landlords with multiple buy to let or house in multiple occupation properties
Property investors with low gearing or unencumbered assets
Developers looking to release equity from several projects
Business owners raising capital by using property as security
If you have built up value across your portfolio, we can help you unlock it efficiently with a solution tailored to your investment goals.
Eligible Property Types
Single and multi unit buy to let properties
Houses in multiple occupation and semi commercial buildings
Residential investment blocks
Commercial and mixed use properties
Unmortgageable units that are being improved or prepared for sale
We will match your portfolio with lenders who are comfortable with scale, complexity and a variety of asset types.
Key Features and Lender Criteria
Loan sizes from £250,000 to over £25 million
Loan terms typically between 6 and 18 months
Rates starting from 0.65 percent per month
Loan to value up to 75 percent across blended assets
Repayment options include rolled up interest, monthly servicing or a combination of both
Loan structure can involve one facility secured across multiple properties or titles
We work with lenders who are comfortable with complexity and experienced in structuring deals that span multiple properties under one agreement.
Common Use Cases for Portfolio Bridging
Raising funds for new purchases while holding existing properties
Bridging purchases with a planned remortgage as the exit
Consolidating multiple bridging loans into a single facility
Unlocking equity across your portfolio for tax bills, business cash flow or new investments
Portfolio bridging gives you access to large scale funding without needing to sell assets or disturb long term mortgage arrangements.
How It Works
Initial conversation
Discuss your assets, ownership structure, and funding goal
Portfolio assessment
Valuation estimates, rental schedules, and security analysis
Terms secured
We structure a quote across your portfolio
Valuations & legal
Individual or portfolio-wide RICS reports and title work
Loan issued
One facility, one repayment plan
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Use Our Bridging Calculator
Get an estimate of costs for your portfolio bridging facility. Our calculator helps you see monthly interest and total repayment expectations.
Frequently asked questions
Everything you need to know about the bridging finance broker
Can I use multiple properties for one loan?
Yes. Portfolio bridging loans use cross-charging to secure one facility across multiple assets.
Do all properties need to be fully owned?
No—but you’ll need sufficient equity in each. Some can be part-mortgaged if the overall LTV works.
Can I refinance after the loan?
Absolutely. Many landlords use bridging to restructure and refinance onto BTL or commercial mortgages.
Is this only for limited companies?
No. We arrange bridging for individuals, partnerships, and SPVs. We’ll guide you to the right lender.
Ready to Leverage Your Portfolio?
Whether you’re scaling your property business or refinancing your existing assets, we’ll help you access fast, flexible funding across your portfolio.