Dezrez Mortgages
Fast & Flexible Bridging Finance Solutions
Short - term property finance designed to help you secure opportunities, overcome funding gaps,
and move forward with confidence.
Looking for a flexible short-term finance solution to help you secure your next property opportunity? Our expert mortgage advisers can help you access tailored bridging finance solutions designed to support a wide range of property needs, including purchasing a new home before selling your existing property, buying at auction, funding property refurbishments, releasing capital, or managing complex property transactions.
Bridging loans provide fast access to funds when a traditional mortgage may not be suitable, helping you move quickly in time-sensitive situations. We work with specialist lenders to find competitive bridging finance options based on your individual circumstances, whether you are a homeowner, property investor, landlord, developer, or self-employed applicant. From initial advice through to completion, we provide clear guidance and support to help make your bridging finance application as smooth and straightforward as possible.
Buying Before Selling
Secure your next home before your current property has sold.
Property Refurbishments
Fund renovation works to improve a property’s value or prepare it for sale or letting.
Auction Purchases
Complete auction property purchases within strict deadlines.
Property Investment
Support portfolio growth, buy-to-let opportunities, or investment strategies.
Property Development
Help fund land purchases, conversions, and development projects.
Capital Raising
Release equity from an existing property for business or investment purposes.
Closed Bridging Loans
Suitable where you have a clear repayment date, such as an agreed property sale.
Open Bridging Loans
More flexible where the repayment date is not fixed, giving you additional time to complete your exit strategy.
First Charge Bridging Loans
Where there is no existing mortgage on the property.
Second Charge Bridging Loans
Where you already have a mortgage and raise additional funds against the property.
We assist a wide range of clients including:
A simple timeline
Once approved, funds can often be released quickly to help you complete your transaction.
Bridging finance is a short-term property loan designed to provide quick access to funds when a traditional mortgage may not be suitable or cannot be arranged within the required timeframe. It can be used to help purchase a new property before selling an existing one, complete property refurbishments, buy at auction, or release capital from an existing property. The loan is usually repaid through the sale of a property, refinancing onto a longterm mortgage, or another agreed repayment strategy.
Bridging loans can often be arranged much faster than traditional mortgages, with some cases completing within a matter of weeks depending on the lender, property type, valuation, and complexity of the application. Our advisers can help identify suitable bridging finance options and guide you through the process to help achieve your required timescale.
Bridging finance can be used for a variety of property-related purposes, including:
Yes, it may be possible to arrange bridging finance if you already have an existing mortgage. This can be structured as either a first charge or second charge bridging loan, depending on your circumstances and the lender’s requirements. Our advisers can help assess your situation and explore suitable options.
Yes, lenders will usually require a clear exit strategy explaining how the bridging loan will be repaid. Common exit strategies include selling a property, refinancing onto a standard mortgage or buy-to-let mortgage, completing a property development and selling the finished project, or using other available funds.
Yes, bridging loans are commonly used to fund property refurbishment projects, including renovations, conversions, and improvements that may increase the property’s value. They can provide the short-term funding needed before refinancing onto a mortgage or selling the completed property.
Yes, bridging finance can be a useful option for landlords and property investors looking to purchase, refurbish, or refinance properties quickly. It can help investors secure opportunities where timing is important, such as auction purchases, below-market-value properties, or portfolio expansion.
Yes, self-employed applicants can often access bridging finance. Unlike some traditional mortgages, bridging lenders may focus more heavily on the property value, loan structure, and repayment strategy rather than relying solely on standard income assessments. We can help self-employed applicants explore suitable options based on their individual circumstances.
The amount you can borrow depends on factors such as the value of the property, your required loan amount, the lender’s criteria, and your repayment strategy. Bridging loans are typically assessed based on the loan-to-value (LTV) ratio and the strength of your exit plan.
Bridging finance costs can include interest, arrangement fees, valuation fees, legal costs, and other lender charges. Costs vary depending on the lender and complexity of the case. We provide clear guidance on the potential costs involved before you proceed with an application.
Our experienced mortgage advisers can help you understand whether bridging finance is suitable for your circumstances, compare options from specialist lenders, and guide you through the application process from initial enquiry to completion. We aim to make complex property finance simpler by providing clear advice and tailored solutions.
