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What did you use a bridging loan for and why wouldn’t ordinary finance work?

ended 15. August 2026

Bridging Loan Directory is examining the real-life situations in which individuals, landlords and businesses are using bridging loans.

We would like recent first-hand examples from borrowers, brokers, lenders and property professionals. The case might involve buying before selling, an auction deadline, refurbishment, an unmortgageable property, probate, divorce, business funding, a broken property chain or another time-sensitive requirement.

Please explain:

  • what the borrower needed to achieve;
  • why a mortgage or other conventional funding was unsuitable;
  • how the bridging loan was used;
  • how much time or money was involved; and
  • how the loan was, or will be, repaid.

Anonymised examples are welcome. Please include your role and enough detail to show what happened. Concise responses of around 100–200 words are ideal.

Once Bridging Loan Directory has published the story, Newspage will adapt it for a wider consumer audience and send it to national and consumer media.

1 responses from the Newspage community

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Editor
Mark Alexander
Founder at Property118.com
My largest bridging finance deal was £5.3 million for one day. It funded a Capital Account Restructure (CAR) before a property business incorporated. The owners borrowed from an independent lender, lent the same sum to their new company and the company repaid the bridge that day, leaving it owing them through directors’ loan accounts. A mortgage was unsuitable because the money was needed only for completion. CAR preserved access to capital already accumulated in the business rather than locking it into company shares. In July 2026, the First-tier Tribunal held that, for DOTAS purposes, the steps were neither contrived nor abnormal.