When transitioning to a smaller home, perfect timing rarely happens naturally. Our tailored downsizing bridging loans eliminate the stress by providing immediate funding to secure your ideal smaller property while your existing home is marketed for the best possible price.
Free yourself from property selling constraints. Our specialist bridging finance empowers empty-nesters, retirees, and homeowners seeking more manageable living spaces to move on their own timeline. The traditional home selling process often forces compromises either accepting lower offers on your current property or losing your dream smaller home while waiting for a sale. Our downsizing bridging solutions eliminate this dilemma by providing the financial freedom to make life’s next transition exactly when and how you choose.
Rapid Bridging removes the waiting game from downsizing. Our streamlined process and direct lender relationships mean we can provide financing when you need it, not weeks later when your opportunity may have vanished.
The distinctive advantage of our downsizing finance is our commitment to certainty. Before you even begin property viewings, we can provide a decision in principle that gives you absolute confidence in your budget and buying power. We’ve optimized our documentation requirements to gather only essential information, and we assess each application on its unique merits rather than through impersonal credit scoring algorithms. For homeowners with substantial equity but complex finances, we offer creative security arrangements that leverage your property assets effectively.
Our network of property-focused legal experts understands the time-sensitive nature of downsizing transactions and works efficiently to secure your interests while maintaining momentum. Without layers of corporate bureaucracy, our direct connections to funding sources eliminate unnecessary delays
These testimonials are based on individual
circumstances and cannot be taken as a guide or advice.
“We were unable to get a loan anywhere. Nobody would fund building the house. We then approached Andrew who was unbelievably helpful. He was the only person who would even entertain the idea of trying to help”.
“Andrews nature and experience allowed for him to cut through some problems that we found with the other professionals. IE the solicitors and the banks”.
For regulated bridging loans the typical APR is 14.60% based on a loan size of £250,000 and fixed for 12 months, regulated bridging loans are for a maximum term of 12 months.
COMMERCIAL AND DEVELOPMENT BRIDGING LOANS ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.
WE ARE A CREDIT BROKER, NOT A LENDER. WE WILL RECEIVE COMMISSION FROM LENDERS. DIFFERENT LENDERS PAY DIFFERENT AMOUNTS DEPENDING ON DIFFERENT COMMISSION MODELS. FOR TRANSPARENCY WE WORK WITH THE FOLLOWING COMMISSION MODEL: PERCENTAGE OF THE AMOUNT YOU BORROW AND RATE FOR RISK (THIS IS BASED ON THE RISK PROFILE Of THE BUSINESS ) FURTHER DETAILS OF THE COMMISSION MODEL, CALCULATION AND AMOUNT WILL BE DISCLOSED TO YOU THROUGHOUT YOUR CUSTOMER JOURNEY.
Downsizing bridging loans provide a sophisticated financial solution for homeowners ready to transition to more appropriate living spaces without the traditional constraints of property chains. This specialized financing is particularly valuable when you’ve discovered your ideal next home but face uncertainty with your current property sale. Whether you’re looking to release equity for retirement plans, reduce ongoing maintenance responsibilities, or relocate to accommodate changing life circumstances, downsizing bridging finance creates options where traditional mortgage products create limitations.
The primary benefit of this approach is the freedom it provides. Rather than rushing your current home sale or compromising on your next property, you can operate from a position of strength in both transactions. As a cash buyer for your new home, you’ll often secure preferential pricing and terms. Meanwhile, with the pressure removed from your existing property sale, you can confidently wait for the right buyer at the right price.
Our experienced team is ready to create a tailored financing solution for your specific downsizing needs. With our extensive lender relationships and specialized knowledge of the downsizing process, we provide the financial tools and guidance to ensure a smooth transition to your next home. Don’t let traditional financing limitations dictate your moving timeline.
The relationships we build with our customers are incredibly important to us. Hear what they have to say, and learn why people across the UK rely on Rapid Bridging time and time again.
Fast-track and quick bridging loans nationwide. Enquire today and we’ll get back to you within 10 minutes.
Rapid Bridging Ltd are a National Association of Commercial Finance Brokers (NACFB) Approved Member
WE ARE A CREDIT BROKER, NOT A LENDER. WE WILL RECEIVE COMMISSION FROM LENDERS. DIFFERENT LENDERS PAY DIFFERENT AMOUNTS DEPENDING ON DIFFERENT COMMISSION MODELS. FOR TRANSPARENCY WE WORK WITH THE FOLLOWING COMMISSION MODEL: PERCENTAGE OF THE AMOUNT YOU BORROW AND RATE FOR RISK (THIS IS BASED ON THE RISK PROFILE Of THE BUSINESS) FURTHER DETAILS OF THE COMMISSION MODEL, CALCULATION AND AMOUNT WILL BE DISCLOSED TO YOU THROUGHOUT YOUR CUSTOMER JOURNEY.
Rapid Bridging Ltd is authorised and regulated by the Financial Conduct Authority.
Rapid Bridging Ltd is entered on the Financial Services Register www.fca.org.uk under reference 716246. Registered in England under reference 09568514.
Head Office Address: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. | Telephone: 0208 150 7528. Registered address: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. The information contained within this site is subject to the UK regulatory regime and therefore is primarily targeted at consumers based in the UK. Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows.
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
