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Refinancing Bridging Loans | Re-Bridge Your Existing Loan Fast
When your bridging loan term is ending but you're not ready to exit—we arrange fast refinancing to give you the time you need
Facing the end of your bridging loan term but can't repay yet? Whether your property project has been delayed, your exit strategy fell through, or you simply need more time to complete your plans, refinancing your existing bridging loan (also called "re-bridging") provides a crucial financial lifeline.
We specialize in arranging bridging loan refinancing when original lenders won't extend. With access to 250+ specialist re-bridging lenders, we secure new bridging facilities to repay your existing loan, giving you 3-24 additional months to complete your project, find buyers, or arrange longer-term financing.
- Refinance amount: £5K to £25M
- Speed: Same-day decisions, 7-14 day funding
- Purpose: Project completion, buyer search, permanent finance arrangement
- Terms: 3-24 months additional time
- Speed: Same-day decisions, 7-14 day funding
- Specialist lenders: 250+ re-bridging finance sources
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What is Bridging Loan Refinancing? | Understanding Re-Bridging
Bridging loan refinancing (commonly called “re-bridging”) is the process of taking out a new bridging loan to repay an existing bridging loan that’s approaching its end date. This new loan provides additional time (typically 3-24 months) when your original exit strategy has been delayed, changed, or hasn’t materialized as planned.
Re-bridging essentially replaces your current bridging finance with a new facility, often with different terms, potentially better rates, and crucially, an extended period to complete your project, find buyers, or arrange permanent long-term financing. The new lender pays off your existing lender, and you continue with fresh terms and a new timeline.
In the UK bridging market, approximately 20% of all bridging loans are used to refinance existing bridges, making it a mainstream and accepted solution when circumstances change. The refinancing market has grown significantly as lenders recognize that project delays are common and re-bridging often represents lower risk than forcing borrowers into default or distressed sales.
How Re-Bridging Works
You have an existing bridging loan due to end soon (within 1-6 months typically) but cannot repay it yet.
Apply for a new bridging loan from a different lender (or sometimes the same lender with new terms).
– Repay the existing bridging loan in full (including any accrued interest)
– Cover refinancing costs (valuation, legal fees, arrangement fees)
– Potentially provide additional funds if needed for project completion
Your old loan is cleared, you have a new loan with fresh terms and extended time, and you avoid default or forced sale.
The entire refinancing process typically takes 7-14 days with specialist brokers like Finance Hub.
Re-Bridging vs Loan Extension
| Loan Extension | Re-Bridging (Refinancing) |
|---|---|
| Same lender, same loan, extended deadline | New lender (usually), new loan, fresh start |
| Typically 3-6 months additional time | Can get 12-24 months additional time |
| Extension fee charged (£250-£1,000+) | Full refinancing costs (arrangement fees, legal, valuation) |
| Subject to lender approval | Available when extensions exhausted or denied |
| Limited availability (most lenders allow 1-2 extensions maximum) | Requires full re-application |
| May include rate increases | Potentially better rates |
| Quick process (1-2 weeks) | Takes longer (7-14 days) |
Who Uses Business Bridging Loans
Business bridging loans serve diverse company needs across London and the UK:
Property Investors
Business premises purchase or development
Retailers
Stock purchases, seasonal inventory, expansion
Manufacturers
Equipment purchases, production scale-up
E-commerce
Stock funding, warehouse acquisition
Growing Companies
Rapid expansion requiring immediate capital
Startups
Asset-backed funding when no trading history exists
Professional Services
Office moves, equipment, expansion
Hospitality Operators
Refurbishment, acquisition, business purchase
Why you might need to Refinance your Bridging Loan
Bridging loan refinancing provides a financial lifeline when your original exit strategy hasn’t worked out as planned. Whether due to delays beyond your control, changed circumstances, or simply needing more time, re-bridging prevents default and gives you the breathing space to complete your project properly rather than accepting a distressed sale.
Property Development or Refurbishment Delays
Your construction, refurbishment, or development project has taken longer than expected to complete, meaning you cannot sell or refinance the property before your bridging loan ends.
Property Market Conditions & Sale Delays
Your property is complete and marketed for sale, but hasn't sold within your bridging loan term due to market conditions, pricing, or buyer financing delays.
Exit Strategy Changed or Fell Through
Your original exit strategy (how you planned to repay the bridging loan) is no longer viable and you need time to implement an alternative plan.
Need More Time for Long-Term Finance Arrangement
Your building project is complete but you haven't had time to arrange standard longer-term secured funding such as a mortgage, commercial mortgage, or development finance facility.
Raised Additional Capital Needed for Project
Your project requires more capital than originally planned, but your current lender won't increase the facility. Refinancing with a new lender can provide both time extension AND additional funds.
Original Lender Won't Extend
You've already extended your bridging loan once or twice with your current lender, they've refused further extensions, or they're demanding terms you cannot accept.
Benefits of Re-Bridging | Why Refinance Your Bridging Loan
Refinancing gives you the benefit of achieving better terms, unlocking additional finance, or locking in better rates while crucially buying the time you need to complete your plans properly. Rather than forcing distressed sales or defaulting, re-bridging provides breathing space and often improves your overall outcome.
Avoid Default & Property Repossession
Navigate to the Finance Hub website and access the Bridging Finance section.
Get More Time Without Pressure
Fill out the online application with your details and loan requirements.
Potentially Better Rates & Terms
Our team evaluates your application and project feasibility.
4- Approval
Once approved, receive your funds quickly.
Steps to apply for a bridging loan
At Finance Hub, we ensure a transparent and straightforward application process, adhering to the following criteria:
1- Visit our Website
Navigate to the Finance Hub website and access the Bridging Finance section.
2- Fill Application Form
Fill out the online application with your details and loan requirements.
3- Assessment
Our team evaluates your application and project feasibility.
4- Approval
Once approved, receive your funds quickly.
Why Choose Us
Why Choose Finance Hub for Commercial Bridging Finance?
We offer quick approvals and efficient processing, ensuring that businesses receive the funds they need without unnecessary delays.
Fast and flexible
We offer quick approvals and efficient processing, ensuring that businesses receive the funds they need without unnecessary delays.
Expert Support
Our team of financial specialists is dedicated to guiding you through the entire process, ensuring a seamless experience from application to repayment.
Competitive rates
Our Bridging Finance solutions come with transparent terms and competitive interest rates, making short term borrowing more manageable.
Tailored Solutions
Every business is unique and so are our financing options. We work closely with our clients to provide bespoke funding solutions that align with their needs.
Terms and conditions
1.1 These Terms and Conditions govern the provision of Bridging Finance services by Finance Hub.
1.2 By applying for or accepting a Bridging Finance loan, you agree to be bound by these terms.
2.1 Bridging loans are available from £5,000 to £20,000,000.
2.2 Approval decisions are typically provided within 24 hours.
2.3 Funds may be disbursed within 24 hours after final approval, subject to due diligence.
3.1 Minimum borrower age: 18 years old.
3.2 Loans are available for properties located in England, Wales and Scotland (excluding Northern Ireland).
3.3 Eligible property types: Residential, mixed-use and commercial properties.
3.4 First charge is required, but second charge may be considered on a case-by-case basis.
3.5 Maximum Loan to Value (LTV) is 75%, with the potential to increase to 100% if additional security is provided.
3.6 Available to UK residents, non-residents, UK companies and trusts.
3.7 All credit profiles are considered.
4.1 Repayment terms range from 3 to 12 months.
4.2 Early repayment is allowed, with certain options available without early settlement penalties.
4.3 Loans may be secured or unsecured, depending on borrower circumstances.
4.4 Competitive interest rates starting at 0.55% per month.
4.5 Arrangement fees typically 2% of the total loan amount.
4.6 Exit fees may apply, depending on loan terms.
Bridging loans may be used for:
5.1 Property purchases (commercial, residential or investment).
5.2 Cash flow management, including operational expenses and payroll.
5.3 Business growth, including new ventures, stock purchases and equipment investments.
5.4 Auction property purchases requires immediate funding.
5.5 Refinancing existing loans while awaiting long-term financing solutions.
Loan process follows the same steps as mentioned above.
7.1 Valuation Fees: A property valuation is required prior to loan approval.
7.2 Arrangement Fees: Typically 2% of the total loan amount.
7.3 Exit Fees: Some lenders may charge a redemption fee when the loan is repaid early.
7.4 Other Fees: Any additional charges will be clearly disclosed before the loan agreement is signed.
8.1 Failure to make timely repayments may result in additional interest charges and penalties.
8.2 In cases of default, Finance Hub reserves the right to take legal action to recover the loan amount.
8.3 Borrowers are encouraged to contact Finance Hub in advance if they anticipate difficulties in repayment
9.1 Loans are subject to Finance Hub’s approval process and compliance checks.
9.3 Finance Hub complies with all relevant UK financial regulations and lending laws.
9.4 Borrowers may be required to provide additional documentation, including proof of identity, financial statements and security details.
10.1 Finance Hub reserves the right to amend these terms and conditions at any time.
10.2 Changes will be communicated via our website or direct borrower communication.
10.3 Finance Hub may terminate a loan agreement in cases of fraud, misrepresentation or breach of contract.
Borrow £5k to £25million Within Days
Frequently asked questions (FAQs)
Bridging Finance is a short term loan designed to help businesses and property investors secure funding quickly while arranging long term financing or waiting for other funds to be released.
Funds can be available within 24 hours of approval, depending on the loan type and requirements.
No, we consider all credit profiles, including those with poor credit history.
1- Development Finance Loans are tailored for specific development needs.
2- Bridging Loans are short term funding solutions.
3- Private Investors are funds from venture capitalists or angel investors.
4- Equity Partnerships are shared costs and profits with partners.
5- Conventional Bank Loans are suitable for low risk projects with strong financial profiles.
No, we consider all credit profiles, including those with poor credit history.
Bridging loans can be used for purchasing property, refinancing, business cash flow, auction purchases and property development, among other needs.
We offer a maximum Loan-to-Value (LTV) of 75%, but this can be increased to 100% with additional security.
No, we provide transparent terms with no hidden or excessive fees.
Our bridging loans have flexible repayment terms ranging from 3 to 12 months.