Understanding Short-Term Property Finance: Fast Solutions for Smart Investors

In property, speed can make or break a deal. Whether you’re bidding at auction, refurbishing a property, or waiting for longer-term funding to come through, short-term finance can give you the flexibility to act when opportunity strikes.

At Jasbec Bridging, we specialise in providing fast, tailored finance for property investors, developers, and landlords who need quick access to capital without the red tape of traditional lending.

What Exactly Is Short-Term Property Finance?

Short-term property finance — often known as bridging finance — is a flexible loan designed to cover the gap between an immediate need for funds and the availability of a more permanent solution.

These loans typically run for a few weeks up to 12 months, making them ideal for time-sensitive projects like:

• Securing auction purchases

• Funding refurbishments or conversions

• Releasing equity tied up in another property

• Managing cash flow before refinancing or sale

  
  

Unlike a standard mortgage, bridging finance focuses on speed and practicality. It’s built for investors who can’t afford to wait months for traditional approvals.

Finding the Right Type of Bridging Loan

The best product depends on your property type, exit strategy, and timescale. Some borrowers need funds in a few days; others prefer a structure that aligns with their renovation plans.

Below are some of the main short-term finance options we offer at Jasbec Bridging.

Commercial Bridging

Designed for properties with commercial or mixed-use elements, this type of loan helps investors move quickly on deals that might not qualify for bank lending. It’s also useful for short-term cashflow support or funding light refurbishments before refinancing.

Many clients choose desktop or no-valuation options for faster turnaround, keeping deals moving without unnecessary delays.

Residential Bridging

This option is secured against residential properties or those intended for residential use. It’s a great fit for buyers stuck in a broken chain, purchasing an unmortgageable property, or refinancing while completing improvement works.

A popular variation is the bridge-to-let loan, allowing investors to buy, renovate, and then refinance onto a traditional buy-to-let mortgage once the property is ready.

Auction Finance

Auction purchases usually require completion within 28 days — leaving little time for traditional funding routes. Auction bridging loans give you the certainty of funds in time to complete, letting you bid confidently and act quickly once the hammer falls.

After completion, you can refurbish, refinance, or sell, depending on your investment plan.

Why Investors Choose Jasbec Bridging

Imagine buying a mixed-use property at auction that needs quick refurbishment before refinancing. With Jasbec Bridging, funds can be released in under two weeks, allowing you to complete, carry out the works, and refinance within six months — paying interest only for the time you used the loan.

That’s what we do best: fast, flexible finance designed around you.