Crystal Bridging Loans

Buying To Renovate

Crystal Bridging Loans specialises in short-term bridging loans for investors, developers, and landlords that cover the cost of refurbishments and property renovations. Our bridging loans are ideal for those looking to upgrade, restore, or convert a property before selling, refinancing, or renting it out.

Why Choose Us?

Not sure of your loan to value?

Instant Bridging Loan Calculator

With our free mortgage payment calculator, you can find out the interest payments on what you need to borrow in seconds. Simply tell us how much you want to borrow, how long you need the loan to last, and the loan amount in relation to the value of property or security (loan to value (LTV).

Please note: the maximum loan, loan-to-value, term and rate actually offered will depend on the product selected, the property, and your individual circumstances. As a specialist mortgage broker, the rates our lending panel typically offer are higher than from high streets banks, so you may be advised to shop around before completing an application with us.

A bridging loan calculator is a tool to help you discover the loan rates, interest fees, and repayment costs you can expect when taking out a bridging loan. Simply enter how much you want to borrow, how long you need the loan to last, and the loan amount in relation to the value of property or security (LTV).

Benefits of Bridging Finance for Renovations

Quick to Arrange – access funds quickly to start renovations as soon as possible. If you need large amounts of cash fast, bridging finance is your best option when compared with other loans that take months to arrange.

Flexible Criteria – bridging loans are flexible, with each application assessed on its own merits. Lenders are less concerned with credit rating and more interested in exit route and security.

All Types of Property – lenders consider any type of property as security including residential, houses, flats, shops, mixed use, commercial, offices, care homes, and warehouses.

Properties in Poor Condition – bridging finance can be secured against properties that traditional mortgage providers deem unsuitable such as those in a poor state of repair and in need of renovation.

Non-Standard Construction – bridging finance can be secured against property of unusual or non-standard construction that mortgage lenders consider unsuitable, such as buildings constructed from concrete or wood.

Multiple Properties as Security – bridging loans allow you to use two or more properties as security on a first or second charge basis or a combination of both.

Buying to Renovate - Exit Route

You will need a clear exit route when applying for bridging finance to set out how you will repay the loan. A bridging loan often covers the cost of short-term renovation works required to increase the value of the property so that the owner can then refinance or sell the property for profit. The most common exit routes when buying to renovate are to sell the property once refurbishment works are complete or rent it out by arranging a buy-to-let mortgage.

How can we help?


Bridging Loans - Highlights

  • LTV up to 80%
  • Interest roll-up available
  • Terms from 1 – 36 months
  • Loans from £10,000 (no maximum)
  • All circumstances considered
  • Residential or commercial
  • No exit fee
  • First, second, or third charge
  • Re-bridging available
  • Properties in poor state of repair accepted
  • Fund up to 100% of your renovation costs
  • No early repayment charges
  • Any exit route considered
  • Available throughout the UK


Specialist Loans for Light & Heavy Refurbishment

We can arrange a bridging loan to fund all types of renovation works. We work with lenders across the market, so whether you are planning light or heavy refurbishments, we have a solution for you.

Light Refurbishment – this covers minor upgrades where no planning permission is required, including installing new windows and doors, adding bathrooms, kitchen remodeling, and decorating work.

Heavy Refurbishment – this covers major structural changes and projects that require building regulations and planning permission, including extensions, demolitions, and conversions.

Loans By Purpose

100% Bridging Loan

100% bridging loans that cover the full value of the property you wish to purchase.

Buying To

Also known as a bridge-to-let mortgage, fast and flexible bridging loans for buy-to-let property.

Bridging loans that help buy a new property before selling your existing home to bridge the gap between purchases.

Buying To

Refurbishment bridging loans for investors, developers, and landlords that cover the cost of property renovations.

Building A Property

Finance your next property development or building project with our short-term bridging loans.


Raise essential working capital for your business at short notice with our short-term, flexible bridging loans.


Bridging loans with quick completion times so you can complete auction property purchases faster.


Bridging loans to purchase or refinance residential or commercial land quickly and efficiently.

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