What is a bridging loan?
A bridging loan is a short-term secured loan — typically 1 to 24 months — used to "bridge" a gap in funding. They are most commonly used by property investors and developers who need to move quickly, refinance, or complete works before switching to a long-term mortgage.
Unlike high-street mortgages, bridging loans are assessed primarily on the security (the property) and the exit strategy — not solely on your credit score. This makes them one of the most accessible finance products for borrowers with adverse credit.
Can I get a bridging loan with a CCJ or default?
Yes. Many specialist bridging lenders on our panel actively lend to borrowers with adverse credit histories, including:
CCJs & defaults
Satisfied or unsatisfied. Age and value considered but not automatically disqualifying.
IVAs & DMPs
Active or recently discharged IVAs considered by select lenders.
Bankruptcy
Discharged bankruptcy considered depending on date of discharge and security strength.
Missed payments
Recent missed payments on mortgages or unsecured debt considered case by case.
The key criteria for adverse credit bridging loans are the value and type of security, a credible exit strategy, and the overall strength of your case — not just your credit score.
What can a bridging loan be used for?
Bridging loans are highly flexible. Common uses include:
Property purchases
Buying a property at auction, purchasing before your existing property sells, or acquiring uninhabitable properties that mainstream lenders won't fund.
Refurbishment and development
Funding light or heavy refurbishment work, or bridging into a development finance facility while planning permission is obtained.
Refinancing and debt consolidation
Releasing equity from an existing property to pay off pressing debts, fund a business, or avoid repossession while a longer-term solution is arranged.
How does the exit strategy affect my application?
The exit strategy is how you plan to repay the bridging loan at the end of the term. Lenders look at this closely. Common exits include: refinancing onto a buy-to-let or residential mortgage, selling the property, or completing a development and selling units. A clear, credible exit makes your application significantly stronger — even if your credit history is poor.
How we introduce you to a bridging lender
We are a credit introducer, not a lender. We do not run credit checks or charge upfront fees. We review your situation, match you to the most suitable lender on our panel, and make a direct introduction. You then deal with the lender directly from that point.