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Bridging Loans & Secured Lending

Bridging loans can help complete the purchase of a property, secured loans – also known as homeowner loans – offer a way to borrow larger amounts for less by using your home as equity.

Bridging Loans

Bridging loans are designed to help people complete the purchase of a property before selling their existing home by offering them short-term access to money at a high-rate of interest. As well as helping home-movers when there is a gap between the sale and completion dates in a chain, this type of loan can also help someone planning to sell-on quickly after renovating a home, or help someone buying at auction.

As banks and building societies have grown more reluctant to lend in the wake of the financial crisis, there has been an influx of bridging lenders into the market. However, rates can be high and there can be hefty administration fees on top. Indeed, potential borrowers are warned there is a risk of getting ripped off unless you proceed extremely carefully. If you take out a bridging loan, you could face costs of up to 1.5% a month – meaning 18% a year.

At DPT financial, our bridging loan and secured lending advisors only recommend this specific type of loan if it is appropriate for you and your particular circumstances.

Secured lending

Secured loans, also known as homeowner loans, offer a way to borrow larger amounts for less by using your home as equity. So if you are looking to borrow say £25,000, secured loans are definitely worth a look – especially as most of the top personal loan deals are only available on up to £15,000.

Loans of this kind are also a good option for anyone whose low credit score makes it hard for them to get a low-rate personal loan. There are risks involved in borrowing via secured loans, though. You could, for example, lose your home if you fall behind with the repayments, so it is vital to ensure that you do not overstretch yourself


Please note that we do not directly advise on this subject – business in this field is referred to our trusted supplier(s).


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