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Category: Bridging

  • TMG Welcomes Roma Finance to Bridging Finance Panel

    TMG Welcomes Roma Finance to Bridging Finance Panel

    TMG Mortgage Network has announced the addition of Roma Finance to its specialist lender panel, enhancing options for property investors and developers seeking bridging finance. This collaboration aims to provide tailored solutions for cases that may not fit traditional lending criteria, thereby broadening access to finance for a variety of projects.

    TL;DR: TMG Mortgage Network has added Roma Finance to its lender panel; this partnership supports property investors and developers with flexible underwriting options.

    What is Roma Finance’s Role in Bridging Finance?

    Roma Finance is focused on supporting property investors and developers throughout the property lifecycle. Their approach includes flexible underwriting and dedicated specialist teams, which allows them to assess cases that often fall outside conventional lending parameters. This can be particularly beneficial for borrowers who may face challenges securing traditional financing.

    Why This Partnership Matters for Bridging Finance

    The inclusion of Roma Finance in TMG’s lender panel is significant for the bridging finance sector. It provides brokers and their clients with more options, particularly for those involved in complex property transactions. With the ability to consider a broader range of cases, Roma Finance enhances the potential for successful funding outcomes, which is important in a competitive market.

    What This Means for Property Investors and Developers

    For property investors and developers, this partnership signifies increased access to finance. The flexible underwriting criteria can accommodate a wider variety of projects, making it easier for investors to secure the funding they need to move forward. This is especially relevant as traditional lenders may be more cautious.

    Frequently Asked Questions

    How does bridging finance work?

    Bridging finance is a short-term loan designed to bridge the gap between the purchase of a new property and the sale of an existing one. It is often used in property transactions to provide quick access to funds.

    Who can benefit from Roma Finance’s offerings?

    Property investors, developers, and brokers seeking flexible financing solutions can benefit from Roma Finance’s offerings, particularly for projects that may not meet traditional lending criteria.

  • Secure Trust Bank Reports £40m in Bridging Loans

    Secure Trust Bank Reports £40m in Bridging Loans

    Secure Trust Bank has announced a significant achievement, completing £40 million in bridging loans during the first half of 2026. This expansion into bridging loans has contributed to a growth in the bank’s overall loan book, which now totals £3.5 billion. The increase in lending is attributed to strong demand in residential investment and a growing interest in home improvement financing.

    TL;DR: Secure Trust Bank has issued £40 million in bridging loans, driving an increase in its loan book; this growth reflects strong demand from borrowers and investors.

    What is Driving the Growth in Bridging Loans?

    The rise in bridging loans at Secure Trust Bank can be linked to a robust performance in both residential investment and home improvement sectors. The bank reported an increase in lending balances compared to the end of the previous year. This trend indicates a growing confidence among borrowers seeking quick financing solutions, particularly in the competitive property market.

    What This Means for Borrowers and Investors

    For landlords and property investors, Secure Trust Bank’s success in bridging loans signifies a positive shift in the lending environment. With substantial enquiries already submitted through its portal, the bank is poised to meet the increasing demand for fast, flexible financing options. This could enable investors to seize opportunities in the market more swiftly, particularly in acquiring properties or funding renovations.

    How is Secure Trust Bank Performing Overall?

    Beyond its bridging loan achievements, Secure Trust Bank reported a profit before tax, marking an increase from the same period last year. The CEO expressed satisfaction with the bank’s growth trajectory, reinforcing confidence in its strategic goals for the future. The bank aims to continue this momentum as it works towards its fiscal targets.

    Frequently asked questions

    What are bridging loans?

    Bridging loans are short-term financing options that help borrowers quickly secure funds, often used for property purchases or renovations.

    Who can benefit from bridging loans?

    Landlords, property investors, and homeowners looking to finance urgent property transactions or improvements can benefit from bridging loans.

  • Secure Trust Bank Reports £40bn in Bridging Loans

    Secure Trust Bank Reports £40bn in Bridging Loans

    Secure Trust Bank has announced a significant milestone, completing £40 billion in bridging loans during the first half of 2026. This growth reflects a robust demand in the bridging loan sector, which is important for landlords and property investors seeking quick financing solutions.

    TL;DR: Secure Trust Bank’s bridging loan completions reached £40 billion in H1 2026; this surge indicates strong market demand, benefiting borrowers and investors alike.

    What is Driving the Growth in Bridging Loans?

    The bank’s expansion into bridging loans has contributed to a 4.9% growth in its overall loan book, which now stands at £3.5 billion. This increase is attributed to strong performance in residential investment and the home improvement sector, with £90 million in enquiries submitted through their portal. Such growth suggests that bridging loans are becoming an increasingly popular option for those needing rapid access to funds.

    How Does This Impact Borrowers and Investors?

    For landlords and property investors, the rise in bridging loans signifies a more accessible financing option. With lending balances increasing by 5.3% to £1.9 billion since the end of last year, borrowers can expect competitive offerings. This trend could lead to more opportunities for property acquisitions and renovations, as bridging loans are typically quicker to arrange compared to traditional mortgages.

    What This Means for the Bridging Loan Market

    The impressive performance of Secure Trust Bank, which reported a profit before tax of £31.3 million—up 9.4% from the previous year—indicates a healthy and growing market for bridging loans. As the bank continues to execute its strategic priorities, borrowers should watch for potential enhancements in loan offerings and competitive rates. This growth trajectory reinforces confidence in the bridging loan sector, making it a vital consideration for property financing.

    Frequently Asked Questions

    What are bridging loans?

    Bridging loans are short-term financing options designed to provide quick access to funds, often used for property purchases or renovations.

    Who can benefit from bridging loans?

    Landlords, property investors, and homeowners looking to finance urgent purchases or improvements can greatly benefit from bridging loans.

  • Paragon Launches New Bridging Finance Division

    Paragon Launches New Bridging Finance Division

    Paragon has announced the appointment of Sanders and Patel to spearhead its new bridging finance division, a move that aims to enhance its service offerings for intermediaries. This initiative is particularly significant as it reflects Paragon’s strategy to diversify its financial products, creating new opportunities for landlords and investors in the bridging finance market.

    TL;DR: Paragon has appointed Sanders as managing director and Patel as commercial director to launch a bridging finance division; this initiative targets intermediaries and aims for a full market launch in 2027.

    Who are Sanders and Patel?

    Sanders joins Paragon as managing director of Paragon Bridging Finance, tasked with leading the development of this new business line. Patel, appointed as commercial director, brings over 20 years of experience in specialist finance, having held senior roles at companies such as Together, Precise Mortgages, and United Trust Bank. Their combined expertise positions Paragon to effectively navigate the bridging finance market.

    What is the timeline for the bridging proposition?

    The bridging finance proposition will be piloted with a selected group of intermediaries during the last quarter of 2026. This pilot phase is designed to refine the offering before a full market launch scheduled for 2027. This timeline allows Paragon to gather feedback and make necessary adjustments to meet market demands.

    What does this mean for intermediaries and borrowers?

    The launch of Paragon’s bridging finance division is expected to provide new avenues for intermediaries currently engaged in buy-to-let or development finance. By introducing a dedicated bridging finance product, Paragon aims to enhance the range of options available to brokers and their clients, potentially streamlining the process for borrowers seeking short-term finance solutions.

    What impact will this have on the bridging finance market?

    With the backing of a FTSE 250 lender, Paragon’s entry into the bridging finance sector could increase competition and innovation in the market. This move may lead to more flexible and agile financing options for landlords and investors, which is important in a rapidly changing economic environment. As intermediaries begin to pilot the new products, it will be important to monitor how these offerings are received and the subsequent impact on pricing and terms across the market.

    Frequently asked questions

    What types of projects can benefit from bridging finance?

    Bridging finance is typically used for short-term needs, such as purchasing properties at auction, funding renovations, or facilitating quick property transactions. It provides immediate capital to bridge the gap until long-term financing is secured.

    How does Paragon’s bridging finance differ from traditional loans?

    Bridging finance is designed for short-term use, often with faster approval processes compared to traditional loans. It is particularly useful for urgent funding needs, whereas traditional loans usually involve longer application and approval times.

  • 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.