Bridging Finance FAQ’s

Clear answers to common questions about bridging loans, criteria and how we lend.

What is a bridging loan?

A bridging loan is a short-term secured loan used to bridge a funding gap.

It is typically arranged while a longer-term refinance, sale or exit strategy is put in place.

Bridging is commonly used for:

  • Property purchases
  • Auction acquisitions
  • Refurbishment projects
  • Capital raising
  • Time-sensitive transactions

At ScotLend, bridging is structured around the asset, the exit and the numbers.

How quickly can ScotLend make a decision?

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What can a bridging loan be used for?

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How much can I borrow?

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What loan to value do you offer?

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How long can the loan term be?

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What type of security do you accept?

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Do you lend outside Scotland?

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Do you offer first and second charge bridging loans?

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What is a first charge bridging loan?

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What is a second charge bridging loan?

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Will adverse credit affect an application?

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What fees are charged?

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What information do you require for an initial decision?

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How do I submit a deal?

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Ready to Submit a Deal?

Speak directly to a decision-maker. Receive a clear answer within 24 hours. No Drama. Just Deals.

Send the Deal 0131 297 3775