The Mortgage Mum Specialist Finance

The Mortgage Mum Specialist Finance has been created to extend our core values from The Mortgage Mum into a new area of the mortgage and financial services industry. As an all-female brokerage, we take pride in offering the additional care, attention, and compassion that are sometimes missing in this sector—this is what we call “The Mortgage Mum way!”

A bridging loan, also known as a bridge loan, is a short-term loan that can be for a substantial amount. The terms are customized through negotiations between brokers and lenders to secure the best deal for you. This loan serves to “bridge” the gap between purchasing a property and securing a long-term financing solution or selling it. Typically, bridging loans are issued for periods of up to 24 months but can be repaid earlier.

Bridging loans are accessible to individuals, limited companies, partnerships, as well as both UK and foreign nationals. They are often utilized by property developers and landlords seeking quick funding, but can also assist individuals in purchasing their next home.

There are two main categories of bridging loans: commercial and residential. For those buying a property to live in, a residential bridging loan is required, which is regulated by the Financial Conduct Authority. Conversely, loans for investment purposes, such as buy-to-let or commercial properties, fall under unregulated borrowing.

We have assisted numerous clients in purchasing properties through bridging loans, particularly when quick action is necessary to secure their dream home or investment. Our team possesses extensive expertise in property financial services and is ready to guide you through all your options.

We take the time to understand your individual circumstances, priorities, and goals, enabling us to identify the best products suited to your needs. Reach out to us today for an introductory conversation on how we can assist you.