Residential & Buy to Let Mortgages
Commercial Loans
Bridging Finance
Development Finance
Business FinanceWhat is Bridging Finance?
Bridging finance is a short-term loan that is typically used to cover temporary cash flow gaps or to fund immediate property transactions, such as purchasing a property before securing a long-term mortgage or refinancing. It can be used in a variety of situations, including purchasing property at auction, refinancing an existing loan, or funding urgent development projects.
Bridging loans are generally secured against a property and are designed to be repaid within a short time frame, usually 12 months or less. The loans are often used by property professionals, developers, and investors who need fast access to capital and have a clear exit strategy in place—whether through refinancing, selling the property, or completing a development.
Working with a Diverse Range of Bridging Lenders
At Morgan Sterling, we work with a wide array of bridging lenders to provide our clients with the most suitable options for their specific needs. We have established strong relationships with both mainstream bridging lenders and more specialised, boutique lenders and family offices, which are often more flexible in their approach. These lenders are more willing to consider complex situations and have the ability to act quickly, without the need for formal valuations or the rigid criteria typically imposed by mainstream lenders.
Why Choose Morgan Sterling for Bridging Finance?
Morgan Sterling offers a unique advantage in the bridging finance space due to our ability to provide access to a wide range of lenders, from mainstream institutions to boutique and specialist lenders.
Our extensive experience and relationships with both types of lenders mean that we can secure the best possible terms for our clients, with access to more flexible criteria and faster decision-making processes. In addition, our team’s in-depth knowledge of the bridging finance market means we can help clients navigate the complexities of bridging loans, providing expert advice on structuring deals and ensuring that exit strategies are clear and achievable.
Moreover, the diverse nature of the lenders we work with allows us to consider situations that mainstream lenders might turn down, such as:
