Raise capital without disturbing the first mortgage
Use available property equity for a time-sensitive requirement while keeping an existing first charge mortgage or loan in place.
A second charge bridge sits behind the existing first charge lender. It can be useful when the current mortgage has a favourable rate or early repayment charge and replacing it would be costly or slow.
A clear route from initial review to completion.
Share the property, loan, timing and exit details.
We identify suitable options from specialist lenders.
The chosen lender completes underwriting, valuation and legal work.
Funds are released once the lender's conditions are satisfied.
It is a short-term loan secured behind an existing mortgage or first charge. Both lenders have security over the property, with the first charge lender repaid first.
Often the second charge lender will require consent, a deed of priority or confirmation of the first lender's position. Requirements vary between lenders.
This depends on the property value, the first charge balance, the combined loan-to-value permitted and the strength of the exit strategy.
Yes, depending on who occupies the secured property and the purpose and structure of the loan. We establish the regulatory position before recommending a route.
Free, no-obligation enquiry
Send the key details and our team will contact you to discuss suitable next steps.
UK Property Bridging is a trading name of The UK Adviser Ltd, authorised and regulated by the Financial Conduct Authority (FRN 798920). Not all bridging loans are regulated.
