Bridging Finance

Rebridging Finance

Refinance your existing bridging loan to better terms. Avoid costly extensions, reduce your rate, and buy the time you need to execute your exit strategy.

Rebridging

Your exit is delayed. Your loan does not have to be a problem.

Bridging loans are designed to be short-term, but property transactions do not always go to plan. A sale falls through, planning permission takes longer than expected, or market conditions change. When your exit strategy is delayed, your existing lender may charge punitive extension fees or begin default proceedings.

Rebridging replaces your existing facility with a new one, typically at better terms. It gives you a fresh timeline, removes the pressure of an expiring loan, and often reduces your monthly interest cost. At Doulton Bridging Finance, we arrange rebridging facilities regularly and understand exactly how to position these cases with lenders.

Lower

Rates Available

Extension Fees

Fresh

Loan Term

14 Days

Typical Completion

Key Benefits

Why rebridging makes sense

Avoid Extension Fees

Most bridging lenders charge significant extension fees when your loan term expires. Rebridging with a new lender eliminates these costs entirely.

Often Lower Rates

Your original bridging loan was arranged under time pressure. With more breathing room, we can often source a replacement facility at a materially lower rate.

Buy More Time

If your exit strategy has been delayed - a sale taking longer than expected, planning permission running late - rebridging gives you a fresh term to work with.

No Penalty for Switching

Moving to a new lender is a standard transaction. There is no stigma or penalty for rebridging, and many lenders actively welcome these cases.

Protect Your Asset

An expiring bridging loan can lead to default interest, legal action, or even repossession. Rebridging removes this risk and keeps you in control of the process.

Fresh Start

A new lender means a new relationship, fresh terms, and often more flexibility. If your original lender was difficult to work with, rebridging is your exit.

The Process

How it works

Review Your Position

Share your current loan details, remaining term, and what has changed since the original facility was arranged. We assess your options immediately.

Source Better Terms

We approach lenders who specialise in rebridging and present you with offers that typically improve on your current rate and provide a realistic new term.

Seamless Transition

The new lender redeems your existing facility directly. Legal work is streamlined because the property has already been through due diligence recently.

New Term Begins

Your new bridging loan is in place with fresh terms, a new timeline, and often a lower monthly cost. You focus on executing your exit strategy.

Bridging loan expiring soon?

Do not wait for extension fees or default proceedings. Contact us today to explore rebridging options that could save you money and buy you time.

Get a Quote Discuss Your Requirements

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.