Mortgage Arrears Bridging Loans
Emergency bridging finance to clear mortgage arrears and stop repossession. Fast turnaround from specialist lenders who understand your situation.
Facing repossession? There are options
If you have fallen behind on mortgage payments and repossession is threatened, a bridging loan can provide the emergency funding needed to clear the arrears and stop proceedings. This buys you the time to either sell the property at a fair market value or arrange a remortgage on better terms.
At Doulton Bridging Finance, we work with specialist lenders who assess each case individually. Even if you have been turned down elsewhere, we may be able to help. The key is to act quickly - the sooner you get in touch, the more options are available to you.
Specialist support when you need it most
Stop Repossession
A bridging loan can clear your mortgage arrears and halt repossession proceedings. Once the arrears are settled, the immediate threat to your home or investment property is removed.
Fast Turnaround
When repossession is imminent, every day counts. We work with lenders who can complete in as little as 7 days, giving you the speed needed to resolve the situation.
Consolidate Debts
As well as clearing arrears, a bridging loan can consolidate other debts into a single facility. This simplifies your finances and can reduce the total monthly burden.
Buy Time to Sell or Remortgage
A bridging loan gives you breathing room. Use the time to sell your property at a fair price or arrange a remortgage on better terms, rather than accepting a below-market forced sale.
Specialist Lenders
High street banks will not lend against a property with arrears. Our panel includes specialist lenders who understand these situations and assess each case on its own merits.
No Judgement, Just Solutions
Arrears happen for many reasons - job loss, illness, divorce, business difficulties. We focus on finding a solution, not on how you got here. Every case is treated with discretion.
How it works
Urgent Assessment
Contact us with details of your arrears, the property, and any deadlines you are facing. We will assess your situation immediately and outline your options.
Lender Matching
We approach specialist lenders from our panel of 130+ who have appetite for arrears cases. We present your case to secure the best available terms.
Fast-Track Processing
Valuation and legal work are fast-tracked in parallel. We keep all parties focused on the deadline so that nothing falls through the cracks.
Arrears Cleared
Funds are released to clear the arrears and settle with your existing lender. The repossession threat is removed and you have time to plan your next move.
Do not wait until it is too late
The sooner you act, the more options you have. Contact our team today for a confidential, no-obligation assessment of your situation.
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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