Bridging Finance & Equity Loans
Your Financing Options
Independent, easy-to-understand advice to help you make confident financial decisions.
Bridging finance is a short-term loan that helps you buy a new property before selling your current one. It gives you flexibility and financial security during the transition.
How it works:
-
Use the loan to secure your new home before your old one sells
-
Repay the loan once the sale of your existing property is complete
-
Usually available for three to twelve months
Benefits:
-
Move quickly on a new property opportunity
-
Avoid the stress of selling before buying
-
Flexible repayment options, such as interest-only payments
Things to consider:
-
You’ll hold two loans at once for a short time
-
Your current home may take longer to sell
-
If the sale price is lower than expected, you may owe more than planned
AdviceHQ can help assess your financial situation and find a bridging loan that fits your needs.
Bridging Finance
Equity release lets you access some of the value in your home without selling it. You can take the funds as a lump sum or regular payments to support your lifestyle, retirement, or other financial goals.
How it works:
-
Access part of your home’s value through a reverse mortgage or similar product
-
Keep living in your home while using the released funds
-
Repay the loan when you sell the property or from your estate later on
Benefits:
-
Improve your cash flow and free up capital
-
Fund home improvements, travel, or other plans
-
Stay in your home while maintaining financial independence
Things to consider:
-
It may reduce the inheritance left to your family
-
Interest builds up over time and adds to the total owed
-
It’s a long-term commitment, so it’s important to get the right advice
Equity Release
