MOVA / Bridging finance

Bridging finance for your next property move.

An auction purchase, a gap before sale or a property that needs work? Explore short-term funding with the deadline, full cost and repayment plan in view.

Discuss my bridging plans Send project details

Initial phone conversation at no cost · No pressure to proceed

The MOVA panel

Bridging finance lenders

Together
United Trust Bank
West One
Hampshire Trust Bank
LendInvest
Glenhawk
MT Finance
Affirmative
Bridge Help
Catalyst Property Finance
Greenfield Mortgages
Hope Capital
Octane
Roma Finance
SoMo Bridging
StreamBank
TAB Mortgages
Precise Mortgages

Where a bridge may fit

Start with the reason for short-term finance.

The property, security and exit determine whether a bridge is worth exploring.

Auction purchase

Discuss the legal pack, deposit and contractual completion deadline before you bid.

Purchase or refinance gap

Explore a funding gap while a sale, refinance or another expected source of funds is pending.

Property needing works

Review whether the condition or planned work prevents a longer-term mortgage at the outset.

How a bridging enquiry progresses

Four stages. One clear repayment plan.

Timing depends on the property, lender, valuation and legal work; no completion date can be guaranteed.

Project review
Set out the amount needed, property security, deadline and intended exit.
Terms & assessment
Review indicative terms, supporting evidence and the lender’s assessment.
Checks & completion
Valuation, legal work and lender conditions must be satisfied before funds are released.
Repay the bridge
Complete the sale, refinance or other agreed repayment route within the loan term.

Understand the money

The loan amount is not always the cash received.

Ask to see the net advance and the total repayment, as well as the headline facility.

A simple retained-interest illustration

Example figures to explain the structure, not an available finance quote.

Gross loan facility£200,000

Interest retained upfront− £12,000

Arrangement fee deducted− £2,000

Net advance in this example£186,000

Before legal and valuation costs or repayment of existing debt. If the stated deductions are the only charges and the loan runs for its agreed term, £200,000 is repaid at the end. Actual terms, refunds and additional charges vary.

Serviced interest

Interest is paid as it falls due, usually monthly. Budget for those payments throughout the term.

Retained interest

An amount is withheld from the facility to cover interest. This reduces the cash available at completion.

Rolled-up interest

Interest is added to the balance for repayment later. Check the calculation and total due, including any compounding.

If the exit takes longer

Extra interest and charges can increase the cost. An extension or replacement loan is not automatic.

Your repayment plan

Agree the exit before taking the bridge.

Short-term borrowing needs a realistic repayment route and a plan for delays.

Sell the property

Consider the expected sale value, marketing period, selling costs and the amount needed to clear the loan. Allow for a slower sale.

Refinance

Check the likely long-term borrowing route, property condition and income requirements. A future mortgage is subject to a fresh assessment.

Another source of funds

Explain the source, amount and timing, and what happens if the money arrives late. An expected payment is not cash already available.

Unsure how the loan would be repaid? Make that the first part of your conversation.

Talk through the exit

Your service from MOVA

From your plans to a clear next step.

Start with the property details, net funds needed, deadline and proposed repayment route. You do not need a finished application to get in touch.

Review your project

Steven works through the purpose, figures and practical constraints, including anything that needs attention before an application.

Explore the finance route

We help you understand the relevant funding options, costs and conditions, and identify the lender or specialist route to explore.

Prepare to move forward

We set out the information needed, the proposed next steps, who will handle them and any fees before you choose to proceed.

Auction purchase?

Put the actual deadline in your enquiry.

Tell us the auction date, contractual completion date, property price, deposit and intended exit. Your solicitor should review the legal pack and auction conditions before you bid.

An initial lending indication does not guarantee that a purchase can complete. Start the funding discussion before you are committed.

Send auction project details

Your questions, answered

Bridging finance questions.

Can bridging finance complete by my auction deadline?

We can discuss the deadline and what needs to happen, but completion cannot be guaranteed. Lender assessment, property valuation, legal work and the auction conditions all matter.

Does rolling up interest mean there is no interest cost?

No. It changes when interest is paid, not whether it is charged. The amount owed can grow during the term and may compound, depending on the agreement.

What if I do not yet have a clear exit?

Tell Steven at the outset. A credible repayment route is central to a bridging proposal. It may be more appropriate to reconsider the timing or explore another route.

Does it matter if I or my family will live in the property?

Yes. Current or intended occupation by you or a close family member can affect the regulatory position and available routes. Make the intended use clear at the start.

What happens after I send an enquiry?

Steven will review the outline and discuss your objectives, figures and timing with you. You will then understand the information needed, the proposed route, who will handle each stage and any fees. Sending an enquiry is not a loan application or a lending decision.

Explore another route

Other property finance services.

Your next step

Discuss the deadline. Plan the exit.

Start with the property, the cash needed and how the borrowing would be repaid.