Bridging Loan Services Essex Brokers
Fast Short-Term Finance in London
Tailored short-term property finance is available for buyers, investors, and businesses, arranged quickly by your trusted family-run Essex broker.
Bridging loans in Essex provide short-term, property-secured funding that allows borrowers to access money quickly when timing matters most.
At Financial Service Solutions in Essex, we specialise in bespoke bridging finance for both residential and commercial needs.
Whether you are purchasing a property, dealing with a broken chain, or simply need rapid access to capital, our team delivers clear guidance and reliable support across Chelmsford and the wider Essex area.
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What Are Bridging Loans?
Bridging loans are short-term lending facilities secured against property assets. Often referred to as short-term finance, they are designed to cover funding gaps until a longer-term solution is in place.
- The loan amount is determined by the available equity and security.
- Some lenders may accept a second charge on other assets to strengthen security.
- Bridging loans are flexible, making them ideal for time-sensitive property transactions.
Regulated vs. Unregulated Bridging Loans
There are two main types of bridging loans, each serving different purposes:
- Regulated bridging loan – Secured against a borrower’s main residence. These loans are subject to FCA regulation and provide consumer protection.
- Unregulated bridging loan – Secured against investment or commercial property, such as buy-to-lets or development sites. These loans are commonly used by investors and developers.
In both cases, lenders require a clear exit strategy before approval. This ensures the loan can be repaid, often through refinancing or property sale. Many lenders also request evidence of an offer in principle before finalising terms.
Here's What Our Clients Say
Financial Service Solutions
4.7
33 Reviews
Professional, Friendly, Experts. Thank you so much!
Jabez and Nikki were amazing. As a first time buyer, they took all the stress of arranging a mortgage away, offering advice and options that I would only be able to get from a broker. Jabez has been proactive throughout the entire process, keeping me well informed and going above and beyond improving my mortgage deal as my house purchase progressed. Well worth the money, and would throughly recommend them for all your mortgage needs!
Excellent Advice & Service!
We had an excellent experience with Financial Service Solutions who helped secure a new deal on our mortgage for another 3 years. They are incredibly professional and friendly. We thoroughly recommend them to others in need of financial advice. Thank you Jazeb & Nikki!
Fantastic service
Both Jabez and Nikki have been extremely helpful throughout the process and have gone above and beyond to ensure our house purchase has gone through as smoothly as possible and were more than happy to do whatever it took to set my mind at ease as a first time buyer - much needed whilst trying to juggle work and a 2 year old. If you are looking for a less stressful house purchase I highly recommend them.
When Bridging Loans Are Used in Essex
Bridging loans are versatile and widely used across the local property market:
- Auction finance – Ideal for buyers needing rapid completion at property auctions.
- Chain breaks – Provides funding when a residential sale collapses, allowing buyers to proceed with their purchase.
- Property investment – Popular among investors acquiring below-market-value or off-market opportunities.
- Tax bills and urgent expenses – Offers quick access to capital for time-sensitive obligations.
Compared with traditional finance routes, bridging loans offer speed, flexibility, and tailored solutions for Essex, London and the home counties borrowers.
Why Use Financial Service Solutions for Bridging Loans in Essex
Family-run broker
Wide lender network
Local knowledge
End-to-end guidance
Bridging Loan Terms and Duration
Bridging loans are designed as short-term solutions, with typical terms ranging from 6 to 18 months and a maximum of 24 months. Borrowers can repay early, although most lenders require at least 3 months of interest.
These loans function as a temporary funding option until long-term finance, such as a mortgage or a commercial lending facility, is in place. For Financial Service Solutions clients, bridging loans offer a results-driven way to move forward when timing is critical.
Interest Options and Repayment
Borrowers have two main options for managing interest:
- Serviced interest – Paid monthly throughout the loan term.
- Retained interest – Deducted upfront from the gross loan amount.
If the loan is repaid early, unused retained interest is refunded. For example, a 12-month loan repaid after 9 months would return 3 months’ interest. This flexibility ensures borrowers can manage costs effectively.
Contact your Chelmsford bridging loan advisor today
Chelmsford Office
Saxon House,
27 Duke Street,
Chelmsford, CM1 1HL
Contact us using your preferred method
Office: 0333 567 8960
Email: hello@financialservicesolutions.co.uk
What is a bridging loan, and how does it work in Essex?
How long can I take out a bridging loan for?
What is the difference between regulated and unregulated bridging loans?
Can I use a bridging loan to buy property at auction?
How quickly can bridging finance be arranged?
What types of property can I use as security?
How is interest charged on a bridging loan?
Can I repay my bridging loan early?
Why do lenders need an exit strategy?
How do I apply for a bridging loan with Financial Service Solutions?
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Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.
Disclaimer: Financial Service Solutions Ltd has never now or has ever been involved with any companies of a similar name. Financial Service Solutions Ltd is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421
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