Bridging Finance

Repossession Loans

Emergency finance to stop repossession or buy repossessed properties below market value. Fast turnaround when every day counts.

Emergency Finance

Act fast. Protect your property.

Facing repossession is stressful and frightening. But it does not have to be the end of the road. Emergency bridging finance can clear the arrears that triggered repossession proceedings, halting the process and giving you time to restructure your finances or sell on your own terms.

Alternatively, if you are an investor looking to purchase repossessed properties at auction, bridging finance gives you the speed to complete within tight deadlines and the leverage to acquire assets below market value. Either way, time is of the essence and Doulton Bridging Finance is built for exactly these situations.

3 Days

Emergency Completion

75%

LTV Available

Same Day

Decision in Principle

All Credit

Histories Considered

Key Benefits

How repossession loans work for you

Stop Repossession

If your home or investment property faces repossession, emergency bridging finance can clear the arrears and give you breathing room to restructure your finances.

Buy Repossessed Property

Repossessed properties often sell below market value at auction. Bridging finance lets you move fast to secure these opportunities within tight deadlines.

Emergency Speed

Repossession cases are time-critical by nature. We prioritise these applications and can complete in as few as 3 to 5 working days when the situation demands it.

Clear Arrears Quickly

A bridging loan can clear mortgage arrears, county court judgments, and other debts that have triggered repossession proceedings, stopping the process in its tracks.

Below Market Value Deals

Buying a repossessed property at auction? We arrange finance against the market value, not the auction price, giving you equity from day one.

Poor Credit Accepted

Arrears and repossession proceedings inevitably affect your credit file. Our lenders focus on the property and exit strategy, not your credit history.

The Process

How it works

Emergency Assessment

Contact us immediately. We assess your situation, the property, and the timeline. For repossession cases, we treat every enquiry as urgent.

Fast-Track Application

We submit your case to lenders who specialise in urgent and distressed situations. Decision in principle is typically available the same day.

Rapid Valuation

We instruct a desktop or drive-by valuation where possible to save time. Full RICS valuations are arranged when required, on an expedited basis.

Funds Released

Funds are released to clear arrears or complete your purchase. For repossession prevention, this halts proceedings and gives you time to plan your next steps.

Facing repossession? Talk to us now.

Time is critical in repossession cases. Contact our team immediately for an emergency assessment and fast-tracked finance solution.

Get Emergency Finance Call Us Now

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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