What is a Bridge Loan?

A bridge loan is a short-term loan to be secured against a property or parcel of land until longer-term finance can be arranged. At Top Tier, we arrange bridging loans for up to 80% loan to value.*

*Subject to valuation, Terms & Conditions


How much can I borrow?

We can arrange loans from £100,000 to £5,000,000.


How long can I have the bridging loan for?

A minimum of three months up to a maximum of 24 months.


How long will it take to get the funds?

We can usually arrange loans in a matter of days, however the process may take longer if the offer is for a second charge loan as primary lender consent can take time.

Click here to see our process.


What type of security do you accept?

Our lenders will accept a charge offered on buy-to-let properties, second charge on residential properties, commercial properties, development sites or land plots.


What interest rates can you arrange?

Our lenders’ rates vary depending on the loan to value of the property. We assess each deal on its individual merits, so for more information or to arrange a valuation, please call us on 020 8144 9514.


What are the repayment methods?

Our lenders’ loans are structured so that no monthly payments are required. The lenders loan structures are therefore based on interest deducted on completion, to give you the time and space needed to achieve the best use of the capital.


Are there any upfront fees?

The only fee which is payable in advance is the valuation fee.


Do your lenders charge exit fees?



Can I pay my bridging loan off early?

Yes. However the interest will be charged according to the contract.


Do you arrange loans for first-time property investors?

Yes. We welcome first-time investors.


Do I need a solicitor?

Yes, we only work with borrowers and lenders via their solicitors once a loan has gone to offer. We can always recommend solicitors if required.


What information will you require?

Initially, we will only need the information on our enquiry form: your contact details, and the type and amount of the loan you require.


What is a non-status bridging loan?

Top Tier Bridging Loans acts for non-status lenders. This means we do not require evidence of your credit history, trading history, accounts or proof of income, focusing instead on the property and your plans for it.


What is a first legal charge bridging loan?

The principal loan on a property is known as a first legal charge. The lender of that loan takes precedence above all others. Top Tier is an unregulated lender and can provide first charge loans on properties where you and/or any family members do not live or do not intend to live.


What is a second legal charge bridging loan?

If you already have a mortgage or loan secured against your property, you will need a second charge loan which may require consent from a first charge lender.

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