Refinance Bridging Loans
Avoid default and buy time with a refinance bridging loan. Aura Capital secures market-leading re-bridging finance in as little as 7 days. Release equity, extend your term, and protect your investment
Refinance Bridging Loans at Market-Leading Rates
A refinance bridging loan — sometimes called a re-bridging loan — is designed to replace an existing bridging facility when more time or funds are needed.
At Aura Capital, we help landlords, developers, and investors across the UK refinance bridging loans quickly, securing market-leading rates from our panel of specialist lenders. Whether you need extra time to sell, refinance, or complete works, we’ll structure a deal that keeps your project moving and avoids costly default penalties.
What is a Refinance Bridging Loan?
Bridging loans are typically short-term — 6, 9, or 12 months. But projects don’t always go to plan. Sales can fall through, refurbishments take longer than expected, or mortgage approvals are delayed.
That’s where a refinance bridging loan comes in. It allows you to:
Replace your existing bridging loan before it matures
Extend your time to complete a project or sale
Refinance onto a lower-cost bridging facility
Raise additional funds if your project requires more capital
Unlike standard mortgage refinancing, this process is fast and tailored to time-sensitive property investment needs.
Why Would You Need a Re-Bridging Loan?
1. Sale Delays: If a property hasn’t sold before your bridge term ends — perhaps due to a collapsed chain or slower-than-expected market — re-bridging provides breathing space.
2. Mortgage Delays: Buy-to-let or commercial mortgages can take longer than expected. Refinance bridging ensures you avoid default while waiting for long-term finance to complete.
3. Refurbishment Overruns: Refurbishment and development projects often encounter unexpected delays. Refinance bridging loans cover you until works are finished and the property is mortgageable.
4. Releasing Equity: Investors often use re-bridging to release additional funds mid-project, funding extra works or new opportunities.
5. Avoiding Default & Penalties: Failing to exit a bridging loan on time can trigger hefty default rates — often 2–4% per month. Refinance bridging is a proactive way to avoid these costs.
How Does a Refinance Bridging Loan Work?
The process is simple — and fast:
Assessment – Aura Capital reviews your current loan, project, and exit strategy.
Whole-of-market search – we approach multiple specialist lenders to secure market-leading rates.
New facility approved – underwriting is streamlined, with valuations often re-used or fast-tracked.
Completion – refinance bridging can complete in 7–14 days, ensuring no gap between loans.
Clear exit – the new loan provides time for a property sale, mortgage refinance, or development finish.
Typical Refinance Bridging Loan Terms
Loan sizes: £50,000 – £25m+
Rates from: 0.49% per month
LTVs: up to 75% (higher with additional security)
Terms: 3–18 months, with extension options
Exit routes: property sale, long-term mortgage, or refinance
At Aura Capital, we use our lender network to secure market-leading refinance rates, often below standard advertised terms.
Example Scenarios
Scenario 1: Delayed Sale
An investor purchased a London flat on a 12-month bridge. Their buyer withdrew close to completion. Aura Capital arranged a refinance bridging loan within 10 days, giving them a further 9 months to find a new buyer without incurring default charges.
Scenario 2: Refurbishment Overruns
A developer converting a house into 3 flats needed more time after planning delays. Aura Capital refinanced their existing bridge, released an additional £75,000 for works, and secured a cheaper monthly rate. Once complete, they refinanced onto a buy-to-let mortgage.
Benefits of Refinancing Your Bridging Loan
Whole-of-market options – access to specialist lenders not available direct
Market-leading rates – negotiated broker-only deals save thousands
Avoid penalties – protect against default charges and legal action
Flexibility – raise additional funds mid-project if needed
Exit certainty – refinance structured around your end goal (sale, term finance, or portfolio growth)
Refinance Bridging vs Extending Your Current Loan
Some lenders will offer an extension instead of refinancing — but this isn’t always the best option.
Extensions: Often come with higher default rates and less flexibility.
Refinance bridging: Lets you reset the terms, secure better rates, and raise extra capital.
Aura Capital will compare both options so you can make an informed decision.
Risks & Considerations
Additional fees – valuations, legal costs, and broker fees apply (though often offset by savings on default rates).
Exit strategy required – lenders need a clear plan (sale, mortgage, or refinance).
Short-term only – refinance bridging provides time, not a permanent solution.
Secure Your Refinance Bridging Loan with Aura Capital
If your current bridging loan is ending, don’t risk default or unnecessary costs. At Aura Capital, we’ll secure you a fast refinance bridging loan at market-leading rates, tailored to your project and exit plan.
Frequently asked questions
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Yes. Many investors refinance multiple times, provided the project and exit strategy are viable.
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Yes. Specialist lenders focus on the asset and exit, not just credit history. Aura Capital has access to lenders who consider adverse credit cases.
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Typically 7–14 days, depending on valuation and legal work.
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Yes. Many borrowers use re-bridging to raise extra capital for ongoing works or new purchases.
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Remortgages take longer (months), while refinance bridging is designed to complete quickly when time is critical.
