Bridging Loans for Bad Credit or Adverse History

What Is a Bad Credit Bridging Loan?

A bad credit bridging loan is a short-term, secured loan designed for borrowers with adverse credit who need fast access to funds. These loans are typically used to:

• Purchase property quickly (e.g. at auction)

• Refinance existing debt

• Fund refurbishments or developments

• Bridge a gap in a property chain

• Resolve urgent financial situations

Unlike banks, we assess the property’s value and your repayment plan, not just your credit score

Key Features of Our Bad Credit Bridging Loans

Feature Details

• Loan Size: £50,000 – £25 million

• Loan Term: 1 – 24 months

• LTV: Up to 85% (higher with additional security)

• Credit Profile: CCJs, defaults, arrears, IVAs, discharged bankruptcies accepted

• Valuation Options: Desktop, AVM, or full RICS valuation

• Speed: Same-day approval, funds in 3–7 days

Turn Your Bridging Loan into a Credit Recovery Strategy

A bridging loan isn’t just a short-term solution—it can be a stepping stone to long-term financial recovery. Here’s how:

1. Rebuild Your Credit Profile

• By successfully repaying your bridging loan on time, you demonstrate financial responsibility. This can:

• Improve your credit score

• Show positive repayment history

• Help you qualify for mainstream mortgages or development finance

2. Consolidate or Clear Existing Debt

Use bridging finance to:

• Pay off high-interest or overdue debts

• Avoid further defaults or legal action

• Regain control of your financial situation

3. Exit Onto a Long-Term Mortgage

• Once your credit improves, refinance onto a buy-to-let or residential mortgage with better rates. We can help you plan this transition from day one.

4. Leverage Property Equity

Use the equity in your property to:

• Fund renovations that increase value

• Generate rental income

• Build a stronger financial foundation

Credit Recovery Tips

• Check your credit report regularly for errors or outdated information

• Avoid new defaults during the bridging loan term

• Communicate with lenders if you foresee payment issues

• Work with a broker who understands adverse credit lending

Who Can Apply?

Common Scenarios We Fund:

1. Auction Purchase with CCJs

• You’ve won a property at auction but have CCJs on your file. We can fund your purchase within 7 days—even if your bank says no.

2. Refurbishment Project After a Default

• You’ve defaulted on a previous loan but want to refurbish a buy-to-let. We’ll assess the property’s potential and your exit plan, not your past.

3. Chain Break with Missed Payments

• You’re selling your home but the buyer pulls out. You’ve missed a few payments recently. We can bridge the gap so you don’t lose your onward purchase.

4. Probate or Inheritance with Adverse Credit

• You’ve inherited a property but need funds to pay taxes or buy out siblings. Even with poor credit, we can help you unlock equity quickly.

5. Development Exit with Historic Bankruptcy

• You’ve completed a development but need time to sell. Even with a discharged bankruptcy, we can offer exit finance to relieve pressure

Why Aura Capital?

• No minimum credit score

• Flexible underwriting focused on asset and exit

• Specialist lender panel experienced in adverse credit

• Discreet, fast, and professional service

• Dedicated case manager from start to finish

Case Study: Auction Purchase with Defaults

• Client: James, Property Investor, Leeds

• Credit Profile: 2 CCJs, 1 default, low credit score

• Scenario: Won a £180,000 property at auction, needed to complete in 21 days

• Challenge: Declined by high street lenders due to credit history

• Solution: Aura Capital arranged a £135,000 bridging loan (75% LTV) using a desktop valuation. Funds were released in 6 days.

• Outcome: James completed on time, refurbished the property, and refinanced onto a BTL mortgage within 4 months.

Frequently Asked Questions

Can I get a bridging loan with CCJs or defaults?

• Yes. We regularly approve loans for clients with CCJs, defaults, and missed payments.

Do you run a credit check?

• Yes, but it’s only one part of our assessment. We focus more on the asset and exit strategy

Can I apply as a limited company or SPV?

• Absolutely. We work with both individuals and corporate borrowers.

How fast can I get the funds?

• Approval can happen the same day. Completion typically takes 3–7 working days

What if I’ve been declined elsewhere?

• We specialise in complex cases and often approve deals that high street lenders reject.

How It Works

• Step 1 – Contact Us & Submit Your Application
  Speak to our team to understand whether a desktop valuation bridging loan suits your circumstances by providing basic property and borrower details, we will then provide you with an initial quote.

• Step 2 – Valuation Initiated
  Our RICS-accredited partners assesses the property using digital tools and comparables.

• Step 3 – Loan Offer Issues
  If the valuation supports the loan and once underwriting is complete, we issue final terms, often within 24 hours.

• Step 4 – Funds Released
  Once legal checks are complete, funds are transferred.

Our Advantages

• Whole-of-market access to top UK lenders

• Regulated and unregulated loans

• Expert advice from seasoned brokers

• Transparent fees and no hidden costs

• Dedicated case managers from enquiry to completion

Get a Free Quote Today

Looking for a fast, flexible bridging loan with minimal hassle?

Contact our expert team today to see if a desktop valuation bridging loan is right for you.

Email us: enquiries@auracpital.co.uk

Call now or WhatsApp: +44 7425 877445

Want to learn more? Get in touch with our expert team today to explore your options.