Short-Term Bridging Loans
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Since 2008 we’ve been helping people find tailored and affordable bridging loan deals. We know how daunting it can feel handling the finer details of taking out a large sum of money, which is why we make our services as simple and transparent as possible.
Our goal is to remove the headaches and challenges that can arise with taking out new credit, so you always know where you stand and what comes next. We’re only happy when you are – so you can always rely on us to be there when it counts.
There are very few limits on what you can use a bridging loan for, which means you could use it to:
Our wide range of services give you instant access to a wealth of financial expertise. We offer advice on everything from bridging loans and secured loans to bad credit loans and remortgaging.
Get the help you need to remortgage or resolve a complex application.
Competitive loan rates for refurbishing, renovating or extending your property
We have loans for all credit types even if you have a less than perfect score
Find the financial boost you need to start or grow your property portfolio
Getting a quote won’t affect your credit score
Finding the right finance doesn’t have to be complicated – so, we’ve made the process clear and simple. Whether you’re applying for a Secured Loan, Mortgage or Bridging Finance, we’ll compare the market for the best options that meet your criteria and provide you with a fast no-obligation quote.
Helpful and Efficient
I would highly recommend Willows Finance. They helped us organise finance recently and were efficient, transparent and proactive throughout the process. They understood our needs, identified and explained the solution clearly, and helped us to seemlessly complete the application. Thank you Willows!
S Hampton
Helpful and informative staff …
Willows finance have been extremely helpful and efficient in finding me a loan, I feel I’ve had just the right amount of contact not too pushy or overbearing, however they did chase me when I was slow with paperwork etc which was not a bad thing and ended in me receiving a loan in a timely manner.
Julie
10 out of 10 service
Willow finance were great start to finish, they always answered promptly and it was so helpful that they were able to communicate via WhatsApp as I couldn’t always be available for phone calls. Willows Team was patient, answered all my questions and endeavoured to make the process as seamless as possible. I would definitely recommend Willow and would use their services again if I ever needed it!
Faultless service
Great communication and very straightforward process. Everyone I dealt with was knowledgeable and helpful and replied really quickly to any queries I had. Would 100 percent recommend.
Sarah
Helpful
Helpful, understanding and very responsive.
Laura N.
If you are looking for a company that really does put their customers first then look no further.
If you are looking for a company that really does put their customers first then look no further. Their service is second to none. A personal thank you to Willows team who helped me no end.
Nicola
A bridging loan is a serious financial responsibility, which is why our customers deserve first-class support and expert advice from start to finish. From searching the market and identifying the right deals to advising on the best options and helping you prepare your application, we’re there every step of the way.
Mr and Mrs James’ children had grown up and moved out of the family home. As a result, the couple decided to sell their property and downsize. They found their ideal new home, secured a buyer for their current property, and planned to use the excess equity to purchase their new home mortgage-free.
However, just days before exchange, their buyer’s sale fell through, jeopardising the entire transaction. Not wanting to lose their new property, the couple applied for a bridging loan. This allowed them to proceed with the purchase while continuing to market their existing home to find a new buyer.
Their current property was valued at £450,000, with an outstanding mortgage of £68,000. They needed £250,000 to purchase their new home. A bridging loan of £250,000 was arranged, secured against both properties. Including fees, the total loan amounted to approximately £256,000 at an interest rate of 1% per month over a 12-month term.
With a bridging loan, no payments are made during the 12-month period. Instead, the lender deducted an interest payment from the opening balance each month.
The loan was redeemed after four months:
A bridging loan is a loan that has a short-term repayment window. It usually lasts up to 12 months and is often used to cover the gap between paying for a new home and receiving the funds from the sale of an existing property.
Having a poor credit history shouldn’t necessarily prevent you from getting a bridging loan. At Willows, every application is reviewed manually, so there are no automated rejections at play. We work with several specialist lenders who are willing to lend to borrowers with less than perfect credit scores.
Our panel of lenders offer some of the most competitive rates on the market. The rate offered to you will be influenced by several factors, such as what the bridging loan is being used for, how much you want to borrow, the value of the property being used as security and your overall credit history.
We’ve got a long and proud history of ensuring that applications are processed quickly, so you will never be left waiting around unsure of what’s happening. Most of our applicants need their money quickly, so we do everything possible to make sure you get the cash without delay.
Our experienced team of advisors can connect you with lenders that offer from £10,000 and you can borrow up to 100% LTV. Various factors such as the property value and your credit history will also be taken into account to help determine the maximum amount you can afford to borrow.* 100% LTV Subject to Additional Security
At Willows we have a maximum age of 80 years at the end of the repayment term and most of our lenders welcome applications from older adults. This gives you the freedom to use a bridging loan to buy a new retirement property without having to wait for the sale of your existing one to be completed.
Finding the right finance doesn’t have to be complicated – so, we’ve made the process clear and simple. Whether you’re applying for a Secured Loan, Mortgage or Bridging Finance, we’ll compare the market for the best options that meet your criteria and provide you with a fast no-obligation quote.
Complete a short online form and tell us how much you would like to borrow
See if you meet the basic criteria for the loan and that you need and the exit works.
Application Processed by the Lender and Binding offer issued
You’ll get the funds from the lender and can put it to use right away.
LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052. We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.
Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.
Registration number 6678545. Copyright © 2025 Willows Finance Ltd
Legal
At Willows Finance we ensure your personal information is kept secure and confidential.
PRIVACY OF YOUR INFORMATION
At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.
This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Authorised and regulated by the Financial Conduct Authority
Firm Reference Number: 670052
Company Number: 6678545 (Registered in England and Wales)
This document outlines the services we provide. If you need clarification, please contact us at 01656 766158.
We offer first and second charge regulated mortgage contracts for business or personal use.
Other finance options may include:
Regulatory Status:
We offer an advised mortgage broking service and provide enough information for you to make an informed decision.
We are not independent financial advisers. Free debt advice is available from the Money Advice Service.
You can view our privacy policy at: https://willowsfinance.co.uk/privacy-cookie-policy/.
Lenders may also have their own privacy policies which will be provided to you.
We charge a broker fee upon loan completion. The average fee is approximately 5%, depending on your situation.
Fee details:
No refund is offered after completion. You may pay upfront or add the fee to your mortgage. Fees and commission will be detailed in your ESIS and Mortgage Agreement.
You will receive a Mortgage Agreement and an ESIS document detailing:
You may cancel your application anytime before completion without any charge. Mortgages cannot be cancelled after completion.
Missing payments can lead to charges, repossession, and negative impacts on your credit rating.
Consolidating debt may result in higher long-term interest. Securing debt against your home increases risk.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
If you wish to complain, contact us at:
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Tel: 01656 766158
You may be able to refer your complaint to the Financial Ombudsman Service.
We are covered by the FSCS. You may be eligible for compensation of up to £85,000 per person per firm for mortgage advice and arranging.
More info: www.fscs.org.uk
After processing your application, you’ll receive a Mortgage Agreement and have a 7-day reflection period.
Contact us during this period with any questions. To proceed, sign and return the agreement.
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