What's cheaper than a bridging loan?

Almost everything — standard mortgages, personal loans, and remortgaging are all cheaper. The question is whether they're fast enough or large enough for your needs.

Can I get a mortgage in 2-3 weeks?

Some lenders can complete within 2-3 weeks for straightforward cases. We know which lenders prioritise speed and can match you accordingly.

Should I use savings instead of bridging?

If you have savings, using them temporarily (then replenishing from your sale proceeds) is usually cheaper than bridging interest. We'll calculate the exact comparison.

What about using a credit card?

For very small, short-term amounts, a 0% purchase credit card could work. However, credit cards can't be used for property purchases directly — only for associated costs.

Alternatives to Bridging Loans

Bridging loans aren't always the best option. We compare alternatives to find the most cost-effective short-term finance for your situation.

Alternatives to Bridging Finance

While bridging loans are powerful, they're expensive. Depending on your situation, cheaper alternatives may exist — including fast-track mortgages, personal loans, remortgaging, development finance, or even negotiating with your property chain. We assess your specific circumstances and recommend the most cost-effective solution, whether that's a bridge or an alternative.

Honest assessment — we recommend the cheapest option
Fast-track mortgage options explored first
Personal loan and remortgage alternatives compared
Chain-break solutions without bridging
100% fee-free impartial advice

Step 2 of 4

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Fast-Track Mortgages

Some lenders offer expedited mortgage processing (2-3 weeks completion). If your timeline allows, this is significantly cheaper than bridging. We know which lenders can move fastest and can prioritise speed in your application.

Personal Loans

For smaller amounts (up to £25,000-£50,000), an unsecured personal loan can be cheaper than bridging. Interest rates are typically 3-10% APR — much lower than bridging rates. The limitation is the maximum amount available.

Remortgaging Your Existing Property

If you have equity in your current property, remortgaging to release cash may be more cost-effective than bridging. The challenge is timing — remortgages take 4-8 weeks, which may not suit urgent needs.

Negotiating the Chain

Sometimes the best solution isn't finance at all — it's negotiation. Requesting an extended completion date, arranging a bridging agreement with the seller, or finding ways to shorten the chain can eliminate the need for expensive bridging finance.