Need to move quickly on a property?
Auction purchase, chain break, unmortgageable property — whatever the situation, Albot checks specialist bridging lenders to find options that could work for you.
How fast can we move?
Chat with Albot
Tell us what you need
90 secondsSee your options
Options shown based on your situation
QuickValuation & approval
Property assessed, terms confirmed
2-5 daysFunds released
Money in your account
7-14 days typicalWhen might you need a bridging loan?
Bridging loans are short-term finance designed for situations where timing is important.
Auction purchases
Won at auction? You’ve typically got 28 days to complete. Traditional mortgages can’t move that fast—bridging loans can.
Chain break
Your buyer pulled out? Don’t lose your dream home. A bridging loan lets you buy before you’ve sold, keeping the chain alive.
Unmortgageable property
No kitchen? No bathroom? Structural issues? Standard lenders won’t touch it. Bridging lenders will—then refinance once it’s renovated.
Quick purchase opportunity
Found a bargain that won’t wait? Need to move before a competitor? Bridging lets you act fast when opportunity knocks.
From quote to funds, fast
When you need bridging finance, every day counts. Here’s how we move.
Tell Albot what you need
Quick chat about the property, how much you need, and your timeline. No paperwork yet.
⏱ ~90 secondsSee your options
Albot checks specialist bridging lenders and shows you options that could suit your situation.
⚡ Options shown quicklyValuation & completion
Property valued, terms confirmed, funds released. Pay fees only when you complete—not before.
⚡ 7-14 days typicalWhy do people use Albot for bridging?
Bridging finance can feel complicated. Here’s what makes Albot different.
No upfront fees
Our broker fees are only payable on completion. If you don’t proceed, you don’t pay us a penny.*
Speed when it matters
We understand urgency. Albot finds options in seconds; completion can happen in days.
Everything upfront
See all costs upfront—interest, fees, everything. No surprises at the finish line.
Specialist lenders
Access 100+ bridging specialists—including those who lend on properties others won’t touch.
Don’t just take our word for it
Here’s what people have said after using Albot.
Really quick and easy to get a quote. The adviser was helpful and explained everything clearly. Would definitely recommend to anyone looking for a loan.
Straightforward process from start to finish. Got several options to choose from and the team helped me pick the right one for my situation.
Was worried about the whole process but they made it really simple. Kept me updated throughout and everything was explained in plain English.
Bridging loan questions, answered
Everything you need to know about short-term property finance.
What fees will I pay?
Our broker fees are only payable on completion—if you don’t proceed, you don’t pay us. The lender will charge arrangement fees and interest (we show you these upfront). You will need to pay for a property valuation, which is required before funds can be released. We’ll give you a full breakdown before you commit to anything.
How quickly can I get funds?
Typically 7-14 days from application to funds in your account, though urgent cases can sometimes complete faster. The main variables are how quickly the valuation can be done and how fast your solicitor can work. We’ll give you a realistic timeline based on your specific situation.
What’s the exit strategy?
Every bridging loan needs a clear exit—how you’ll repay it. Common exits include: selling a property, refinancing to a standard mortgage (once the property is habitable or you’ve sold your old home), or funds from another source. Lenders will want to see your exit plan is realistic before approving.
Can I borrow against an unmortgageable property?
Yes—this is one of the main reasons people use bridging loans. Properties without kitchens, bathrooms, central heating, or with structural issues often can’t get standard mortgages. Bridging lenders will consider them, allowing you to buy, renovate, then refinance to a normal mortgage once the work is done.
How much can I borrow?
Most bridging lenders will offer up to 70-75% of the property value, though some go higher. The amount depends on the property, your exit strategy, and your overall financial position. Chat with Albot and we’ll tell you exactly what you could borrow for your specific situation.
Want to see what bridging options are available?
Takes about 90 seconds, won’t affect your credit score, and there’s no obligation.
See what’s available*Valuation fees are payable to the surveyor regardless of whether you proceed.
A bridging loan of £200,000 over a 12-month term at a monthly interest rate of 0.85% would have a total cost of £20,400 in interest. With an arrangement fee of 2% (£4,000) and an exit fee of 1% (£2,000), the total amount payable would be £226,400. Bridging loans are short-term finance typically repaid within 12-24 months. The actual rate available will depend on your circumstances and the property.
Albot is a technology platform, not a lender and not a mortgage broker. Applications submitted via Albot may be passed to Loan.co.uk Ltd, which provides advice, carries out suitability assessments, and arranges finance with lenders. Loan.co.uk Ltd acts as a broker, not a lender. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Some bridging loans are regulated by the FCA where the loan is secured against a property you or a family member occupy.