Bridging Finance

Bridging Loans for Care Fees

Release equity from property to fund residential care costs. Avoid a forced sale under time pressure with fast, sensitively handled bridging finance.

Care Fee Finance

When care is needed, time is rarely on your side

When a family member needs residential care, the costs can be significant and the timeline is often urgent. Local authorities may require a financial contribution, and care homes typically need payment confirmed before a place can be secured.

If the bulk of the family's wealth is tied up in property, a bridging loan can provide the immediate funds needed while you take the time to sell at the right price or arrange a longer-term financial plan. At Doulton Bridging Finance, we handle these cases with the sensitivity and urgency they deserve.

7 Days

Fastest Completion

75%

LTV Available

130+

Specialist Lenders

£0

Monthly Payments

Why Doulton

Funding care with dignity and speed

Release Property Equity

Use the equity in a family home or investment property to fund care costs. A bridging loan provides immediate access to funds while you arrange a longer-term solution.

Avoid a Forced Sale

Selling a property under time pressure often means accepting a below-market price. A bridging loan gives you breathing room to sell at the right time for the right value.

Fast Access to Funds

Care fees can escalate quickly, and care homes often require payment upfront. We regularly complete funding within 7 to 14 days so you can secure a place without delay.

Sensitive, Experienced Handling

We understand that arranging care finance is stressful. Our team handles every case with discretion and empathy, guiding you through the process step by step.

Flexible Exit Strategies

Repay from the sale of the property, a remortgage, or from other funds as they become available. We work with lenders who understand the timelines involved in care situations.

No Monthly Payments Required

Interest can be rolled up into the loan, meaning no monthly payments are needed during the term. This is particularly helpful when cash flow is already stretched.

The Process

How it works

Initial Discussion

We talk through your situation, the property available as security, and the funding required. You receive an indicative terms sheet within hours.

Lender Selection

We match your case to the most suitable lenders from our panel of 130+, prioritising those with experience in care fee situations and flexible exit terms.

Valuation and Legal

A RICS valuation is instructed and legal work begins in parallel. We coordinate all parties to keep things moving as quickly as possible.

Funds Released

Once all conditions are met, funds are released to cover care costs. Typical completion is 7 to 14 days from application.

Need to fund care costs quickly?

We understand the urgency. Speak to our team today and receive indicative terms within hours.

Get a Quote Discuss Your Situation

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

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Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.