Bridge between homes, without the stress.

A bridging loan is a short-term facility that wraps around both properties. At the moment of purchase, your total debt (existing loan + new purchase + costs) is called the 'peak debt.' Once you sell the existing property, the proceeds pay down the peak, leaving what's called the 'end debt' — the loan you'll actually service long-term. The window for selling is usually 6 to 12 months, interest is often capitalised (added to the loan, not paid monthly), and not every lender offers bridging at all.

This page is part of the home loans offering and pairs naturally with the next home buyers page. If you can avoid formal bridging by using equity release instead, that's usually the cleaner path — and we'll tell you so if it's available.