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A short-lease purchase bridge supports SMEs that need fast funding, even when the lease remaining reduces mainstream mortgage eligibility. Lenders typically expect you to evidence the borrower’s support, a credible exit strategy such as sale proceeds, a lease extension route, or a remortgage later, and a valuation that is realistic for the lease term. Terms are often 1 to 12 months, sometimes up to 18 months where supported extensions are in place. Pricing is commonly interest-only with rates often quoted around 7% to 14%, depending on risk and how short the lease is.

A refinance-to-lease-extension bridge helps restructure existing finance or cover short-term pressures while you progress a lease extension. Lenders usually want evidence of lease extension progress or a clear timetable, plus affordability for interest payments. Valuation will reflect both the current lease and the plan to enhance it. Typical bridge terms run from 3 to 18 months, aligned to when remortgage completion becomes achievable. Rates are often interest-only and commonly fall around 7% to 13.5% annually, varying by LTV, borrower profile and how certain the refinance timeline looks.

A completion bridge for leasehold-to-freehold or restructuring is used when you need bridging funds to complete a transaction affected by short-lease complications. Lenders typically look for a clear transactional timetable, documented legal process for converting or restructuring the property position, and a valuation adjusted for lease length. You will also need demonstrated capacity to repay at the end of the bridge, with an identified completion or exit route. Terms are often 1 to 12 months, and in some cases extendable to 18 months if milestones are updated. Many deals sit roughly between 8% and 15% per annum, depending on LTV, borrower risk and the certainty of the legal outcome.