Fast Funding Secured Against Existing Equity
Need fast funds but do not want to disturb your existing mortgage? A second charge bridging loan is a short term finance option that lets you borrow against the equity in your property, secured behind your current mortgage.
At Bridging Finance Broker, we arrange second charge bridging loans to help investors, homeowners, and developers act quickly, whether you are buying at auction, covering a cash flow gap, or funding a refurbishment project.
A second charge bridging loan is a short term, interest only facility secured against your property. Instead of replacing your main mortgage, it sits behind it as a second charge.
Typical features:
Terms: 1 to 18 months
Security: Residential, semi commercial, or investment property
Use: Fast access to capital for time sensitive needs
Exit: Sale, refinance, or long term mortgage
Bridging loans are a powerful tool for property investors, developers, and homeowners. Here’s why they’re so popular:
and don’t want to remortgage
without selling or switching lenders
(e.g. after a sale or refinance)
Buying a property before selling your current one
Auction purchases with tight completion deadlines
Funding light or heavy refurbishments
Short term business investment
Bridging a cashflow or tax gap
Raising funds for a deposit or onward purchase
Property investors bridging between deals
Homeowners in a property chain
Developers funding short projects
Borrowers with early repayment charges on their main mortgage
Loan size: £50,000 to £5 million+
LTV: Up to 75% combined (first and second charge)
Rates: From 0.85% per month (rolled up or serviced)
Repayment: Rolled-up interest, cleared on exit
Credit profile: Options for borrowers with adverse credit
Lender requirement: Clear and viable exit strategy
Tell us what you need and how you’ll repay it
We shortlist lenders based on your timeframe and property
Indicative quote, valuation booked, offer issued
Our team helps speed up legal processing
Paid within days of approval
No jargon, no confusion, no chasing we keep you updated every step
Estimate what you could borrow and your potential interest costs with our second charge bridging calculator.
Everything you need to know about the bridging finance broker
Yes, landlords often use them to raise capital between deals or fund quick refurbishments.
Yes, but we’ll manage that process and liaise with lenders familiar with second charges.
Potentially, some lenders are open to adverse credit if your exit is solid.
In as little as 5–10 working days depending on the lender, valuation, and legals.
We’ll help you access short-term finance behind your existing mortgage structured for speed, flexibility, and success.
