Bridging Loans
in Trowbridge

The bridging market has bifurcated into two distinct segments: high-volume, technology-driven lenders who can process straightforward residential bridges very quickly at competitive rates, and specialist bridgers who handle complex situations — title issues, non-standard construction, unusual tenancies — where mainstream options fall short.

Interest on bridging loans can be structured as retained (deducted from the gross loan advance), serviced (paid monthly), or rolled up (added to the loan balance). Retained interest is most common for short-term facilities, while rolled-up interest suits longer-term bridges where you want to minimise monthly outgoings during a refurbishment or planning period.

Second-charge bridging is available for borrowers who have existing mortgage debt and need additional capital without disturbing their first-charge facility. This is particularly useful for experienced landlords who want to release equity from their portfolio to fund acquisitions, without refinancing their existing, often favourably priced, mortgage.

Coastal markets in Devon, Cornwall, and Dorset benefit from sustained tourism demand that supports mixed-use and holiday-let development models. Post-pandemic lifestyle migration to the South West has strengthened residential markets in towns previously considered secondary, with remote working enabling permanent relocation from London and the South East.