Short-Term Bridging Loan to Support an Inherited Property Sale
The latest industry news and guides from Active Mortgages.
The latest industry news and guides from Active Mortgages.
A client approached us following the inheritance of a residential property, which they were in the process of selling.
The property had gone through probate and was already under offer at approximately £250,000, with an expected sale price of around £255,000.
The client was living in rented accommodation and was awaiting the sale proceeds to complete the transaction. They also intended to use part of the funds to:
Although the property was under offer, the legal process was still ongoing, with completion expected within 2 – 4 months.
The client required immediate access to funds ahead of completion, but their financial circumstances made traditional lending unsuitable:
The challenge was to structure a short-term solution that would release equity from the soon-to-complete property sale, despite limited income and adverse credit history.
We explored the specialist bridging finance market, focusing on lenders who accept:
A regulated bridging loan was recommended, secured against the property being sold, with the loan structured to run only until completion of the sale.
Key features included:
We also ensured that funds could be allocated appropriately towards debt clearance, with any remaining balance available for short-term personal needs.
The client was able to proceed with a bridging finance solution aligned to the expected property sale timeline.
This provided access to funds ahead of completion without requiring long-term affordability checks that would have made mainstream lending impossible.
The structure allowed:
This case demonstrates the importance of understanding specialist lending routes when mainstream options are not available.
Rather than being declined due to income and credit history, the client was able to access a tailored short-term solution based on the strength and certainty of the property sale.
It highlights how bridging finance can provide a practical, time-sensitive solution for probate and inheritance scenarios where liquidity is needed before legal completion.
At Active Mortgages, we focus on matching the right financial structure to the real-world timeline – not just the applicant’s credit profile.
Book a call with one of our team to talk about your requirements.
