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Category: Bridging

  • GB Bank Expands Bridging Finance Options with MAB Panel

    GB Bank Expands Bridging Finance Options with MAB Panel

    GB Bank has secured a position on the Mortgage Advice Bureau’s lender panel, enhancing its offerings in the bridging finance sector. This development allows Mortgage Advice Bureau advisers to present buy-to-let cases to GB Bank, which includes residential, semi-commercial, and commercial property inquiries. The bank’s flexible underwriting approach, which considers the broader circumstances of each deal, sets it apart from traditional lenders.

    TL;DR: GB Bank is now part of the Mortgage Advice Bureau lender panel; this allows advisers to introduce buy-to-let cases, impacting landlords and property investors.

    How Does This Benefit Landlords and Investors?

    The inclusion of GB Bank in the Mortgage Advice Bureau’s lender panel is significant for landlords and property investors. It provides access to a lender that emphasises flexible underwriting, which can be advantageous for those with unique financial situations or complex property portfolios. This means that borrowers may find it easier to secure funding for various property types, including buy-to-let investments.

    What Are the Key Features of GB Bank’s Bridging Finance?

    GB Bank’s approach to lending focuses on individual assessments rather than rigid criteria. This means they can consider the full context of a deal, potentially leading to more favourable lending decisions for borrowers. This flexibility is particularly beneficial in the current property market, where traditional lending criteria may not accommodate the diverse needs of all borrowers.

    What This Means for Mortgage Brokers

    Mortgage brokers will now have a new option for their clients looking for bridging finance solutions. The ability to present cases to GB Bank can enhance brokers’ service offerings, particularly for clients interested in buy-to-let properties. As GB Bank continues to establish its presence in the intermediary market, brokers should watch for any updates on product offerings and criteria that may further benefit their clients.

    Frequently asked questions

    How does GB Bank’s flexible underwriting work?

    GB Bank’s flexible underwriting allows them to assess each case individually, considering the broader circumstances surrounding a deal rather than sticking to strict lending criteria.

    What types of properties can be financed through GB Bank?

    GB Bank can finance residential, semi-commercial, and commercial properties, making it a versatile option for various property investment strategies.

  • Bridging Loans Surge in UK Mortgage Market for HNW Buyers

    Bridging Loans Surge in UK Mortgage Market for HNW Buyers

    The UK mortgage market is witnessing a notable shift as high-net-worth (HNW) homebuyers increasingly turn to bridging finance to facilitate their property purchases. Recent data reveals that in the first quarter of 2026, £471.4 million in regulated residential bridging loans was completed, highlighting the growing reliance on this financial tool among affluent buyers.

    TL;DR: HNW homebuyers accounted for 93 bridging loans over £1 million, representing 43% of the market’s total value; this trend indicates a strategic shift in property financing.

    What are Bridging Loans?

    Bridging loans are short-term financing options designed to bridge the gap between the purchase of a new property and the sale of an existing one. They are particularly useful for buyers who need to act quickly in competitive property markets. While they can be beneficial, it’s important to note that bridging finance is not suitable for every borrower or transaction.

    How Significant is the Growth in the Mortgage Market for Bridging Loans?

    According to Orton Financial, the number of regulated residential bridging loan completions has nearly doubled since 2021, rising from 2,134 to 4,249 in 2025. This surge reflects a growing acceptance of bridging loans as a viable option for property financing. The total value of these loans has also seen a dramatic increase, climbing from £862.9 million to over £1.72 billion during the same period.

    Who is Benefiting from This Trend in the Mortgage Market?

    High-net-worth individuals are particularly benefiting from this trend, as evidenced by the increase in high-value bridging loan activity. In 2025, the number of loans exceeding £1 million rose from 170 to 321, with their combined value increasing from £293.9 million to £607.9 million. This indicates that affluent buyers are leveraging bridging loans to secure properties quickly, often before selling their previous homes.

    What This Means for HNW Buyers in the Mortgage Market

    For high-net-worth buyers, bridging loans can provide a strategic advantage in a fast-paced property market. They allow for the swift acquisition of new properties while waiting for existing ones to sell, making them a valuable tool in competitive situations. However, as Luther Yeates from Orton Financial cautions, bridging finance should be part of a well-thought-out financial strategy rather than a last-minute solution. Potential borrowers should carefully assess their financial situation and consult with mortgage brokers to ensure that bridging loans align with their long-term goals.

    Frequently Asked Questions

    What are the risks associated with bridging loans?

    Bridging loans can be expensive due to higher interest rates and fees. Additionally, if the existing property does not sell as planned, borrowers may face financial strain.

    How can I determine if a bridging loan is right for me?

    Consulting with a mortgage broker can help assess your financial situation and determine whether bridging finance aligns with your property goals.

  • Bridging Loans Surge in the UK Mortgage Market

    Bridging Loans Surge in the UK Mortgage Market

    High-net-worth (HNW) homebuyers are increasingly turning to bridging loans to facilitate property purchases, according to recent data from Orton Financial. This trend highlights a growing reliance on bridging finance as a strategic option for managing complex transactions in the UK mortgage market.

    TL;DR: A significant amount in regulated residential bridging loans were completed recently; HNW buyers are using these loans to secure properties quickly, often before selling existing homes.

    What are the Latest Figures on Bridging Loans?

    Orton Financial’s analysis reveals that there were over a thousand completions of regulated residential bridging loans recently, amounting to a substantial total. Notably, loans exceeding a million accounted for a small fraction of all loans but represented a significant portion of the market’s total value. This marks a substantial increase in bridging loan activity, with the number of completions rising dramatically over the past several years.

    Why Are HNW Buyers Opting for Bridging Loans?

    Bridging loans are becoming a preferred choice for HNW buyers for several reasons. These loans allow buyers to complete property purchases quickly, especially when facing tight deadlines or when their current property has not yet sold. This flexibility is particularly appealing in a competitive market where timing can be critical. Furthermore, bridging finance can be used to refinance existing mortgages or fund new purchases while awaiting the arrangement of more complex, long-term mortgage solutions.

    What This Means for the Mortgage Market

    For HNW buyers and property investors, the rise in bridging loans signifies a shift in financing strategies within the UK mortgage market. As the market continues to grow, these loans can provide a vital tool for those looking to secure properties swiftly. However, it’s essential for borrowers to approach bridging finance with a well-considered financial strategy, as it may not be suitable for every situation. The increase in high-value bridging loans indicates a growing acceptance of this financing method among affluent buyers.

    Frequently Asked Questions

    What are bridging loans?

    Bridging loans are short-term financing options that help borrowers bridge the gap between buying a new property and selling an existing one. They are particularly useful for quick purchases.

    Who can benefit from bridging loans?

    High-net-worth individuals, property investors, and anyone needing to complete a property transaction swiftly can benefit from bridging loans, especially in competitive markets.

  • HNW Homebuyers Turn to Bridging in the Mortgage Market

    HNW Homebuyers Turn to Bridging in the Mortgage Market

    High-net-worth (HNW) homebuyers are increasingly utilising bridging loans to facilitate property purchases, reflecting a significant trend in the UK mortgage market. Recent data indicates that a substantial amount in regulated residential bridging loans were completed in the first quarter of 2026, showcasing a robust appetite for this type of financing among affluent buyers.

    TL;DR: In Q1 2026, HNW buyers accounted for a significant portion of bridging loans, underscoring a growing trend; this shift impacts buyers needing quick financing solutions.

    What Are Bridging Loans?

    Bridging loans are short-term financing options that allow borrowers to secure funds quickly, often used when purchasing a new property before selling an existing one. This type of loan can be particularly beneficial for HNW individuals who face tight deadlines or require immediate access to capital while arranging more permanent financing solutions.

    Bridging Loans in the Mortgage Market

    According to figures from the Financial Conduct Authority (FCA), the number of regulated residential bridging loan completions has risen dramatically over recent years, marking a significant increase. The total value of these loans has also surged during the same period, indicating a growing reliance on bridging finance in the property market.

    Who Is Affected by This Trend?

    HNW buyers are the primary demographic benefiting from this trend, particularly those looking to secure properties quickly or refinance existing mortgages. While loans above a certain threshold constituted a small percentage of total completions, their value represented a significant portion of the overall market value. This highlights that while fewer high-value loans are being taken out, they are significantly impacting the mortgage market’s financial dynamics.

    What This Means for Homebuyers and Investors

    For homebuyers, especially those in the HNW category, bridging finance offers a flexible solution to navigate the complexities of property transactions. It allows them to act swiftly in competitive markets, where timing can be important. However, experts advise that bridging should be part of a well-considered financial strategy rather than a last-minute fix. Investors and brokers should be aware of this trend, as it may influence the types of financing options clients seek, particularly in a market where securing properties quickly is becoming increasingly important.

    Frequently Asked Questions

    What are the risks associated with bridging loans?

    Bridging loans can carry higher interest rates compared to traditional mortgages and may require repayment within a short timeframe. Borrowers should ensure they have a clear exit strategy to avoid financial strain.

    How can I determine if a bridging loan is right for me?

    Assess your financial situation, the urgency of your property purchase, and whether you have a strategy for long-term financing. Consulting with a mortgage broker can provide tailored advice based on your needs.

  • Recognise Bank Boosts Bridging Finance to 80% LTV

    Recognise Bank Boosts Bridging Finance to 80% LTV

    Recognise Bank has announced an increase in its loan-to-value (LTV) ratio for residential bridging finance from 75% to 80%. This change allows borrowers greater access to capital, making it easier for them to fund various property types, including buy-to-let portfolios and semi-commercial assets.

    TL;DR: Recognise Bank raises residential bridging finance LTV to 80%; this change benefits landlords and investors seeking more capital for property investments.

    How Does This Change Affect Borrowers Seeking Bridging Finance?

    The increase to 80% LTV means that borrowers can now secure a larger portion of their property’s value through bridging finance. This is particularly beneficial for those looking to invest in buy-to-let properties, HMOs, or mixed-use developments. With rates starting from 0.77% per month, the new offering provides more flexibility in accessing funds for property purchases or renovations.

    What Types of Properties Are Supported by Bridging Finance?

    Recognise Bank’s bridging finance options cover a wide range of property types. This includes residential properties, commercial investment properties, and owner-occupied businesses. The ability to finance up to 80% LTV opens doors for investors who may have previously been limited by lower LTV ratios.

    What This Means for Landlords and Investors Using Bridging Finance

    For landlords and property investors, the increase in LTV can significantly enhance purchasing power. This means they can take on more ambitious projects or expand their portfolios without needing to raise as much upfront capital. The ability to access up to 80% of a property’s value can also facilitate quicker transactions, which is vital in a competitive property market.

    Frequently Asked Questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between immediate funding needs and longer-term financing solutions, often used in property transactions.

    How can I apply for bridging finance with Recognise Bank?

    Interested borrowers can apply directly through Recognise Bank’s website or through intermediaries who facilitate bridging finance applications.

  • Paragon Launches Bridging Finance Proposition

    Paragon Launches Bridging Finance Proposition

    Paragon has announced the appointment of Sanders and Patel to spearhead its new bridging finance initiative, a strategic move aimed at diversifying its offerings. This development is significant as it introduces a fresh option for intermediaries and clients looking for bridging solutions, enhancing competition in the market.

    TL;DR: Paragon has appointed Sanders as managing director and Patel as commercial director to launch a bridging finance proposition; this initiative will benefit intermediaries and clients seeking flexible financing options.

    Who are the key figures behind this initiative?

    Sanders takes on the role of managing director for Paragon Bridging Finance, where he will oversee the business’s development. Patel, with over 20 years of experience in specialist finance, will serve as the commercial director. Their combined expertise is expected to drive the bridging proposition’s success, particularly as they pilot it with select intermediaries in late 2026.

    What is the timeline for the bridging finance launch?

    The bridging finance proposition will be piloted with a chosen group of intermediaries in the final quarter of 2026, with a full market launch anticipated in 2027. This phased approach allows Paragon to refine its offerings based on feedback and market demands before a wider rollout.

    What does this mean for intermediaries and clients?

    This new bridging finance offering is part of Paragon’s broader strategy to diversify its product range. For intermediaries already placing buy-to-let or development finance business with Paragon, this creates additional opportunities to meet client needs with a flexible financing solution. Clients seeking bridging finance will benefit from the backing of a FTSE 250 lender, which promises agility and a long-term commitment to service.

    What impact will this have on the bridging finance market?

    The introduction of Paragon’s bridging finance proposition is expected to enhance competition in the market. By providing intermediaries with more options, it may lead to better terms and conditions for borrowers. As the bridging finance sector evolves, stakeholders should keep an eye on how Paragon’s entry influences pricing, service delivery, and overall market dynamics.

    Frequently asked questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between a financial need and a longer-term solution. It is often used in property transactions to secure funding quickly.

    How can intermediaries benefit from Paragon’s new offering?

    Intermediaries can access a new range of bridging finance solutions that complement existing buy-to-let and development finance options, potentially enhancing their service offerings to clients.

  • GB Bank Expands Bridging Finance Options with New Panel

    GB Bank Expands Bridging Finance Options with New Panel

    GB Bank has secured a position on the Mortgage Advice Bureau’s lender panel, enhancing its offerings in the bridging finance sector. This partnership allows Mortgage Advice Bureau advisers to present various buy-to-let cases to GB Bank, including residential, semi-commercial, and commercial property inquiries. GB Bank’s flexible underwriting approach enables individual assessments, considering the broader context of each deal rather than adhering strictly to fixed lending criteria.

    TL;DR: GB Bank’s addition to the Mortgage Advice Bureau’s lender panel allows advisers to introduce buy-to-let cases, enhancing options for landlords and property investors.

    What does this mean for landlords and property investors?

    The inclusion of GB Bank in the Mortgage Advice Bureau’s panel is beneficial for landlords and property investors seeking tailored financing solutions. With a focus on flexible underwriting, GB Bank can accommodate a wider range of circumstances, which is important for those with unique financial situations or property types. This flexibility may lead to more accessible financing options for buy-to-let properties, supporting growth in the rental market.

    How does this impact mortgage brokers?

    Mortgage brokers now have a new option when advising clients on buy-to-let investments. The ability to introduce cases to GB Bank means brokers can use a lender known for its adaptable approach to underwriting. This can enhance their service offerings, allowing them to cater to clients who may have previously struggled to secure financing due to rigid lending criteria.

    What this means for bridging finance?

    This development signifies a positive shift in the bridging finance market, as GB Bank’s entry into the intermediary market could stimulate competition. Brokers and borrowers alike should monitor how this partnership evolves, as it may lead to more innovative products and services in the bridging finance sector. For more information, check out our bridging finance guide.

    Frequently asked questions

    What types of properties can be financed through GB Bank?

    GB Bank can finance residential, semi-commercial, and commercial properties, providing a range of options for different investment strategies.

    How does flexible underwriting benefit borrowers?

    Flexible underwriting allows GB Bank to consider the unique circumstances of each borrower, potentially leading to more favourable lending decisions for those with atypical financial profiles.

  • GB Bank Joins Mortgage Advice Bureau Lender Panel for Bridging Finance

    GB Bank Joins Mortgage Advice Bureau Lender Panel for Bridging Finance

    GB Bank has recently secured a position on the Mortgage Advice Bureau’s lender panel, a significant move that enhances its offerings in the bridging finance sector. This integration allows advisers from Mortgage Advice Bureau to refer buy-to-let cases to GB Bank, covering a range of property types including residential, semi-commercial, and commercial properties. The bank’s flexible underwriting approach focuses on individual assessments, enabling it to consider the broader context of each deal rather than adhering strictly to fixed lending criteria.

    TL;DR: GB Bank’s addition to the Mortgage Advice Bureau lender panel enables advisers to refer buy-to-let cases, enhancing options for landlords and investors; this flexible underwriting approach may lead to more tailored lending solutions.

    What Does This Mean for Landlords and Investors?

    The inclusion of GB Bank in the Mortgage Advice Bureau’s panel is particularly beneficial for landlords and property investors. With the ability to introduce a variety of property enquiries, including buy-to-let, the partnership opens up more financing options. GB Bank’s individual assessment method allows for a more nuanced understanding of each applicant’s situation, which could lead to better lending terms and conditions tailored to specific needs.

    How Will This Change the Bridging Finance Market?

    This development is poised to impact the bridging finance market by increasing competition among lenders. As GB Bank emphasizes flexible underwriting, it may encourage other lenders to adopt similar practices, ultimately benefiting borrowers seeking more adaptable financing solutions. The focus on individual circumstances could also lead to a rise in approvals for complex cases that traditional lenders might overlook.

    Frequently Asked Questions

    What types of properties can be financed through GB Bank?

    GB Bank can finance a range of properties including residential, semi-commercial, and commercial properties, particularly for buy-to-let purposes.

    How does flexible underwriting benefit borrowers?

    Flexible underwriting allows lenders to assess the unique circumstances of each borrower, potentially leading to more favourable lending terms and higher approval rates for complex situations.

  • GB Bank Joins Mortgage Advice Bureau for Bridging Finance

    GB Bank Joins Mortgage Advice Bureau for Bridging Finance

    GB Bank has officially joined the Mortgage Advice Bureau lender panel, enhancing its role in the bridging finance sector. This development allows Mortgage Advice Bureau advisers to introduce buy-to-let cases to GB Bank, which includes inquiries related to residential, semi-commercial, and commercial properties. GB Bank’s unique approach to underwriting focuses on flexible assessments, considering the broader context of each deal rather than adhering strictly to fixed lending criteria.

    TL;DR: GB Bank’s inclusion in the Mortgage Advice Bureau lender panel allows advisers to present buy-to-let cases, impacting landlords and brokers by broadening financing options.

    How Will This Impact Landlords?

    With GB Bank now on the Mortgage Advice Bureau panel, landlords seeking buy-to-let financing can benefit from a more tailored lending process. The bank’s flexible underwriting means that individual circumstances can be taken into account, which may lead to more favourable lending decisions for investors who might have previously faced challenges with traditional lenders.

    What Does This Mean for Mortgage Brokers?

    Mortgage brokers will have greater access to GB Bank’s products, allowing them to offer more diverse options to their clients. The ability to introduce a variety of property inquiries, including semi-commercial and commercial, expands the potential for brokers to cater to a wider range of investor needs. This could enhance their competitiveness in the market.

    What This Means for Bridging Finance

    This addition to the lender panel signifies a growing trend towards more accessible bridging finance solutions. As GB Bank continues to establish its presence in the intermediary market, borrowers may find more opportunities for financing their property investments. The emphasis on individual assessments could lead to more innovative solutions in bridging finance, catering to unique borrower situations. For more information, check our bridging finance guide.

    Frequently asked questions

    What types of properties can be financed through GB Bank?

    GB Bank can finance residential, semi-commercial, and commercial properties, providing a range of options for different types of investors.

    How does flexible underwriting benefit borrowers?

    Flexible underwriting allows GB Bank to consider the unique circumstances of each borrower, potentially leading to more favourable lending terms and increased approval rates.

  • GB Bank Expands Bridging Finance Options with MAB

    GB Bank Expands Bridging Finance Options with MAB

    GB Bank has officially joined the Mortgage Advice Bureau (MAB) lender panel, enhancing options for buy-to-let cases. This inclusion allows MAB advisers to present residential, semi-commercial, and commercial property enquiries to GB Bank, which is known for its flexible underwriting approach that considers the broader context of each deal.

    TL;DR: GB Bank’s addition to the MAB lender panel enables advisers to submit various property enquiries; this change benefits landlords and brokers seeking flexible bridging finance options.

    What does this mean for landlords?

    Landlords can now access GB Bank’s tailored lending solutions through MAB advisers, which may lead to more favourable terms for buy-to-let investments. The bank’s individual assessment method allows for a more nuanced understanding of each case, potentially accommodating unique financial situations that traditional lenders might overlook.

    How does this impact mortgage brokers?

    Mortgage brokers are now equipped with a new lending option that prioritises flexibility and individual circumstances. This can enhance their ability to serve clients with diverse property needs, particularly in the buy-to-let sector. Brokers should watch for how GB Bank’s approach may differ from other lenders, especially regarding underwriting criteria.

    What this means for bridging finance

    The introduction of GB Bank to the MAB panel could signal a shift towards more accessible bridging finance options for property investors. With the bank’s focus on flexible underwriting, investors may find it easier to secure funding for short-term financing needs, which is essential in fast-paced property markets. For more information, check our bridging finance guide.

    Frequently asked questions

    What types of properties can be financed through GB Bank?

    GB Bank can finance residential, semi-commercial, and commercial properties, providing a broad range of options for investors.

    How does GB Bank’s underwriting differ from traditional lenders?

    GB Bank employs a flexible underwriting approach that considers the unique circumstances of each case, rather than adhering strictly to fixed lending criteria.