Practical guides, market insight, and expert advice on bridging finance — written by our team of specialists. Browse by topic or scroll for all articles.
Property problems that stop mortgage approval and how to overcome them
Hub guide →Spray foam, fire damage, damp, structural issues and more
15 guides →How to fund auction purchases and meet the 28-day deadline
2 guides →Property market analysis and investment insight from our team
1 report →Below-market-value buying, forced appreciation and deal strategies
2 guides →Financing property repairs, renovations and value-add projects
4 guides →Bridging finance for commercial, mixed-use and semi-commercial assets
Coming soon →BTL, HMO and residential property investment finance
3 guides →Mortgage declined because of Japanese knotweed? A bridging loan can complete the purchase while the knotweed is professionally managed and the property refinanced.
Read the guide →PRC houses, concrete homes, BISF steel-framed properties — non-standard construction often leads to mortgage declines. Bridging finance can complete the purchase where conventional lenders decline.
Read the guide →Mortgage declined because of a short lease? Bridging finance can complete the purchase while the lease is extended and the property refinanced at a higher value — often the most consistent value-add strategy in residential property.
Read the guide →Historic subsidence that has been properly repaired is often mortgageable. Active subsidence is another matter. A guide to the key distinction and how bridging finance can complete the purchase while remediation is carried out.
Read the guide →Airey Houses, Cornish Units, Wates Houses — PRC construction regularly causes mortgage declines. Bridging finance can complete the purchase while repairs are completed and a PRC Certificate obtained.
Read the guide →Uncertified loft conversions, removed load-bearing walls, extensions without approval — missing Building Regulations can trigger mortgage declines. A guide to indemnity insurance, Regularisation Certificates and bridging finance.
Read the guide →A flying freehold does not automatically make a property unmortgageable. Many lenders will proceed where legal rights are properly documented. Where they decline, bridging finance can complete the purchase while the title is resolved.
Read the guide →Rent-a-roof solar panel leases are one of the most common unexpected causes of mortgage decline. A guide to the lease issue, deed of variation solutions and how bridging finance can complete the purchase.
Read the guide →High-rise blocks, deck-access flats, non-standard construction — ex-council properties can trigger mortgage declines. Bridging finance can complete the purchase while a suitable long-term lender is identified.
Read the guide →Modern timber frame is widely accepted. Older timber frame systems can attract greater lender scrutiny. Bridging finance can complete the purchase while a suitable long-term lender is identified.
Read the guide →BISF, Atholl, Trusteel — steel-framed construction regularly creates lender restrictions. Bridging finance can complete the purchase while a suitable long-term lender is identified.
Read the guide →A missing FENSA certificate can delay exchange and cause lender enquiries. Indemnity insurance or a replacement certificate often resolves the issue — bridging finance can keep the transaction on track where timing is critical.
Read the guide →Regulated and protected tenants create significant mortgage restrictions. Bridging finance can complete the purchase for investors where a clear strategy and exit route exist.
Read the guide →Agricultural occupancy conditions reduce mortgage options and property values by 20–40%. Bridging finance can complete the purchase while a specialist refinance or tie removal strategy is pursued.
Read the guide →A down valuation creates a funding gap between what the lender will offer and what the purchase requires. Bridging loans, second charge lending and additional security can bridge the shortfall.
Read the guide →A complete hub guide to property-related mortgage declines — damp, subsidence, spray foam, knotweed, short lease, flying freehold, non-standard construction, solar panels, building regs, down valuations and more.
Read the guide →Missed payments, defaults, CCJs, IVAs and bankruptcy can all lead to mortgage declines — but bridging lenders are often significantly more flexible than mainstream lenders when it comes to adverse credit.
Read the guide →A missing EWS1 certificate can cause a mortgage to be delayed or declined on flats in buildings with cladding concerns. Bridging finance can complete the purchase while the assessment is completed and the property refinanced.
Read the guide →Many properties are declined by mortgage lenders due to structural issues, damp, fire damage, spray foam or title defects. That doesn't mean they can't be purchased. A complete guide to the options.
Read the guide →Subsidence, structural movement, cracking and foundation defects regularly cause mortgage declines. Here's how bridging finance provides a route to purchase and refinance.
Read the guide →Mortgage declined because of damp? A bridging loan can complete the purchase while the issue is investigated and rectified, then refinance onto a conventional mortgage.
Read the guide →Mortgage declined on a fire-damaged property? A bridging loan can complete the purchase, fund the repairs and bridge the gap to conventional mortgage lending.
Read the guide →Mortgage declined because of spray foam insulation? A bridging loan can complete the purchase while the insulation is removed and the property is refinanced.
Read the guide →Everything you need to know about bridging loans — how they work, when to use one, what they cost, and how to repay them. The definitive guide from a direct lender.
Read the guide →When should you use a bridging loan instead of a mortgage? We break down the key differences, costs, and the situations where each product wins.
Read the guide →The headlines say crash. The data says something different. Why a short-term window exists to buy good quality property at 10–25% below market value — and how bridging finance unlocks it.
Read the article →Property auctions move fast. Here's everything you need to know about arranging auction finance — before and after the hammer falls — to meet your 28-day deadline.
Read the guide →Our guides answer the most common questions. For anything specific to your situation, our specialists are here.