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Bridging vs the alternatives
Bridging finance isn't always the right answer. Mortgages, secured loans, personal loans, and remortgages each have their place. Side-by-side comparisons to help you pick the right tool for your specific scenario.
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Bridging vs Mortgage
Bridging loans and mortgages are both secured against property, but they're built for completely different jobs. A mortgage is long-term finance for buying a home you'll own for years. Bridging is short-term finance to bridge a specific gap — typically 1 to 24 months — until a longer-term solution is in place.
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Bridging vs Secured Loan
Bridging loans and secured loans (also called second-charge mortgages or homeowner loans) both let you borrow against your home alongside an existing mortgage. The differences are speed, term length, and what they're designed for.
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Bridging vs Personal Loan
Personal loans and bridging loans are very different products. Personal loans are unsecured — no property charge, smaller sums, longer terms, slightly higher annualised rates. Bridging is secured against property, much larger sums, much shorter terms, monthly rate quoted instead of APR.
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Bridging vs Remortgage
Remortgaging means replacing your existing mortgage with a new one — usually to release equity, secure a better rate, or change lender. It's the cheapest way to raise capital against a property where time isn't an issue. Bridging is short-term finance you take alongside your existing mortgage, used when speed or flexibility is more important than absolute cost.
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