Bridging Finance
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Step Into Your First Home with Confidence
First-Time Buyer Mortgage Advice by Park Hill Financial
Buying your first home is a huge milestone—but it can also be one of the most confusing and stressful financial decisions you’ll make.
At Park Hill Financial, we’re here to guide you through every step of the process, from finding the right mortgage to collecting your keys.
What Is Bridging Finance?
Bridging finance is a type of short-term, secured loan designed to “bridge” a temporary gap in funding, most often used in property transactions where speed is critical. Typically running for 1 to 24 months, it provides immediate capital to seize time-sensitive opportunities, such as purchasing property at auction, completing a purchase before a current property sale closes (a chain break), or renovating an un-mortgageable property before securing long-term finance. The loan is secured against property or other assets, and a clear ‘exit strategy’—the plan for repaying the loan, usually through a sale or a long-term mortgage—is the key requirement for lenders, as opposed to a borrower’s monthly income.
what's included
- Speed & Certainty Funds can be secured in days/weeks, allowing you to act as a cash buyer for time-critical deals (e.g., auctions or chain breaks).
- Asset-Based Lending Lending is based on the value of the property and a robust exit plan, not solely on traditional income and affordability criteria.
- Flexible Terms Short-term loans, typically 1-24 months, with options for interest to be rolled up (paid at the end) or serviced monthly.
- Complex Property Types Finance is available for properties that are un-mortgageable, such as those needing refurbishment, conversion, or properties acquired at auction.
You’ll get straight answers, realistic options, and a dedicated adviser who has your back.
What we do
Our Bridging Finance service is a specialist, short-term lending solution designed to provide the immediate capital you need to secure a property purchase or investment quickly, particularly when traditional mortgage timelines are too slow.
As a dedicated broker, Park Hill Finance offers whole-of-market access to secure a time-critical loan that perfectly matches your exit strategy (the plan to repay the loan). We specialize in navigating the complexities of bridging finance to ensure fast, efficient, and reliable funding for developers, investors, and homeowners.
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Why Choose Park Hill Financial?
Setting up a Bridging Finance policy requires expert advice to ensure the right structure, compliance with HMRC rules, and maximum tax benefit. At Park Hill Financial, we:
- Arrange fast, tailored bridging loans for property purchases, refurbishments, or investments.
- Work with trusted lenders to secure competitive short-term rates.
- Help you access funds quickly — often within days, not weeks.
- Advise on exit strategies to ensure a smooth transition to long-term finance.
- Manage the process from start to finish with clear communication at every stage.