Bridging finance

How bridging loans workRates, costs, interest options, how much you can borrow and the exit.How to get a bridging loanEach step, what lenders check, documents and timescales.Fast bridging loansWhat lets a bridge complete in days rather than weeks.Retained vs rolled vs serviced interestWhy the headline rate isn’t the true rate.Auction financeFunding an auction purchase inside the 28-day deadline.Below market value bridgingBorrowing against value rather than price.Refurbishment bridgingPurchase plus works funding, and the refinance.Bridge-to-letBridging with a buy-to-let mortgage as the exit.

Case studies

Semi-commercial bridging in three working daysA lender pulled out; a new lender completed in three days on a re-typed valuation.

HMOs

What is an HMO?The definition, C4 vs sui generis, Article 4 and valuation.HMO licenceWhen you need one, costs, room sizes and fire safety.

Portfolio and tax

How to build a property portfolioRecycling capital, limited companies, Section 24 and portfolio landlord rules.Stamp duty on a second homeThe 5% surcharge, worked examples and refunds.

Free calculators

Bridging loan calculatorTrue cost of a bridge, fees and the redemption figure.Instant termsIllustrative figures on your bridging deal.HMO deal builderBuy, refurb, refinance and hold.Stamp duty calculatorSDLT for landlords and companies.Lease extension calculatorIndicative statutory 90-year premium.

Guides are general information, not legal, tax or financial advice. DasLend is an introducer only: we pass bridging enquiries to specialist lenders, and refer buy-to-let, HMO and commercial mortgage enquiries to a firm authorised and regulated by the Financial Conduct Authority. We do not lend, advise or arrange finance.