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- For Intermediaries
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- Bridging Finance
For intermediariesRegulated bridging for time-sensitive transactions
Afin offers regulated bridging for short-term residential funding. This covers needs such as purchase-before-sale and chain breaks. We assess each case using our criteria. We check the property, the client’s credit, and the valuation. We also need a clear plan to repay the loan.
- Contact our Bridging Team
A lending approach built around timing. Short-term funding for defined residential bridging needs.
Your client may need help with a purchase-before-sale or a chain break. They may also need support for an auction purchase, a lease extension, a matrimonial settlement, or light refurbishment.
Our regulated bridging product is for these short -term residential funding needs.
All cases must meet our criteria. Each case must have suitable property security, a credit check, and a valuation. A clear plan to repay the loan is also required.
High-Leverage Lending That Moves Deals Forward
We offer up to 80% LTV, helping your clients access the funding they need – when they need it most.
No Monthly Payments.
With interest roll-up, there are no monthly payments. The loan and interest are repaid at the end of the term. This gives clients more time and flexibility to plan their next move.
Built for complex, time-sensitive cases.
From chain breaks to refurbishment and refinancing, we shape solutions for real needs.
Short-term finance where timing comes first.
Take a look at some of our user stories.
Home Mover
The equity -rich borrower who needs to act quickly
James
Occupation: Senior Project Manager
Income: £95,000
The client
James is an experienced homeowner and a senior project manager in construction. He earns £95,000 and has strong equity in his home. He agreed to buy a new home, but his sale was delayed.
The challenge
James wanted to buy his next home before the sale of his current property had completed. He needed a short-term funding solution that would allow him to move forward with the purchase while using the proceeds from the sale of his existing home to repay the loan.
The Afin solution
Afin reviewed James’s full finances. We looked at his equity and overall strength, not just his income.
We set up a short-term bridging loan. This let him complete the purchase right away. It included a clear plan to repay the loan when his home sold.
The outcome
The delay caused issues, but Afin provided a solution. James secured his new home without compromise.
For illustrative purposes only. Not a real client case.
Refinance
The borrower between transactions
Priya
Occupation: Consultant Solicitor
Income: £120,000
The client
Priya is a consultant solicitor earning £120,000 a year. She is carrying out light refurbishment to her property before she s ells it.
The challenge
Priya needed a short-term solution to allow light refurbishment prior to selling her property and buying her new home.
The Afin solution
Afin looked at Priya’s situation as a whole. We arranged a short -term bridging loan to replace her existing mortgage.
The facility was designed to match her new mortgage, with a clear plan for repayment.
The outcome
Priya stayed in control of her timeline and moved onto her new mortgage without disruption.
For illustrative purposes only. Not a real client case.
Purchase and improvement
The client preparing a property for long -term financing
Daniel
Occupation: Self Employed Architect
Income: £85,000
The client
Daniel is a self-employed architect earning £85,000 a year. He is buying a home that needs some light refurbishment before he can live in it.
The challenge
Daniel needed funding to buy the property and carry out the work within a short timeframe before deciding
whether to refinance or sell the property.
The Afin solution
Afin looked at Daniel’s full plan. We arranged a bridging loan to cover both the purchase and the cost of the
works.
The loan was designed to be repaid once the work was complete and the property met standard lending
criteria.
The outcome
Daniel moved quickly, completed the improvements, and secured a long -term mortgage once the property
was ready.
For illustrative purposes only. Not a real client case.
FAQs
Show all FAQs-
Afin’s Regulated Bridging is a short-term, first-charge residential bridging loan designed for situations where a customer needs time -critical funding with a clear exit strategy. Typical scenarios include: Purchase before sale (chain break) Property sale delays Probate transactions Light refurbishment prior to refinance or sale Short-term refinance pending longer -term lending The loan is exit – dependent, meaning repayment relies on the customer completing a robust, defined and evidenced exit strategy within the loan term.
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Up to 12 months. Loans are intended to be short-term bridging solutions and must have a credible exit that completes within the term.
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Interest is rolled up / retained, meaning: There are no monthly repayments Interest accrues during the term The loan plus accrued interest is repaid in full at maturity Intermediaries should ensure customers understand that the balance increases during the term and is subject to a maximum LTV threshold.
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Repayment occurs via a single lump -sum payment at the end of the term. This normally comes from: Sale of a property, or Refinance to a lender Loan settlement via other assets.
Let’s work together
We help you move faster and do more for your clients. From bridging to complex lending, we offer a flexible approach, high LTVs, and manual underwriting. This helps you turn opportunities into completed deals, quickly and with confidence.
