Bridge-to-Let Loans
Secure property fast with a bridge-to-let loan. Short-term bridging that transitions automatically into a buy-to-let mortgage
Bridge-to-Let Loans at Market-Leading Rates
A bridge-to-let loan combines the speed of bridging finance with the certainty of a buy-to-let mortgage. Unlike a standard bridging loan, these facilities are designed with the exit already in place — the loan automatically transitions into term finance once the property is ready to let.
At Aura Capital, we specialise in arranging market-leading bridge-to-let rates for landlords, investors, and developers who need fast completions with long-term security
What is a Bridge-to-Let Loan?
A bridge-to-let loan is short-term property finance with a built-in buy-to-let exit.
Automatic transition – no need to apply again for term finance
One approval process – bridging and buy-to-let agreed upfront
Faster completions – property secured in as little as 7–14 days
Cost savings – one set of valuations, legal work, and broker fees
Market-leading rates – exclusive terms arranged via Aura Capital
How Bridge-to-Let Works
Single application – approval for both the bridging period and the long-term buy-to-let mortgage.
Draw bridging funds – purchase your property quickly, ideal for auctions or time-sensitive deals.
Refurbish or stabilise income – carry out works or secure tenants during the bridging stage.
Automatic transition – once the property is lettable, the facility converts to a competitive buy-to-let mortgage.
This means you move from short-term to long-term finance without the uncertainty of a separate remortgage.
Why Investors Choose Bridge-to-Let
Bridge-to-let loans are ideal for:
Auction purchases – where completion is needed in 28 days
Refurbishment projects – where a property isn’t mortgageable in its current condition
Portfolio landlords – expanding quickly without delays
First-time investors – wanting both speed and security in one product
Typical Bridge-to-Let Loan Terms
Loan sizes: £50,000 – £25m+
Rates from: 0.49% per month (bridge) | 3.99%+ (term finance)
LTVs: up to 80% (depending on property type)
Bridging term: 3–24 months
Buy-to-let term: 2–30 years
With Aura Capital’s market knowledge and lender relationships, we consistently secure market-leading bridge-to-let rates tailored to your property strategy.
Example Scenario
You buy a terraced house at auction for £180,000.
The property requires refurbishment (£20,000 works).
Aura Capital arranges a bridge-to-let loan, allowing you to complete in under 2 weeks.
After works and tenants in place, the loan automatically transitions into a buy-to-let mortgage, at a pre-agreed competitive rate.
Result: you avoid delays, double fees, and refinancing risks.
Why Choose Aura Capital?
Whole-of-market access – we compare dozens of lenders to secure your best deal
Market-leading rates – access exclusive terms through broker-only channels
Speed – bridging arranged in days, not months
Certainty of exit – bridge and buy-to-let secured together, no surprises
Tailored support – finance structured around your investment goals
Frequently asked questions
-
No. The buy-to-let is approved upfront and transitions automatically
-
Yes. These loans are ideal where properties need works before they qualify for long-term finance.
-
Not with Aura Capital. We secure market-leading rates, and you often save by avoiding duplicate fees.
