Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Bridging Finance
Short-Term Funding When Speed Matters
Bridging finance gives you fast, flexible capital to secure a purchase, fund a refurbishment or bridge the gap until longer-term finance is in place — without waiting on a standard mortgage timeline.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
Short-term bridging loans were created for those on the property journey — providing an extra cushion between selling one property and buying another, or funding a purchase before long-term finance completes.
They are also useful for property developers who need to buy, refurbish and exit quickly. Bridging can be structured as closed-bridge (with a clear repayment exit) or open-bridge where the exit is more flexible — your adviser will explain which suits your case.
Terms depend on the property, security, exit strategy and income. Rates and fees are typically higher than residential mortgages, which is why specialist advice matters. We search the whole market and explain every option in plain English.
Speak to an Expert
Why Consider Bridging Finance?
- Secure a purchase before your long-term mortgage completes
- Bridge the gap when buying before selling
- Fund light or heavy refurbishment projects
- Act quickly on auction and off-market deals
- Access capital for chain-break situations
- Flexible terms with open or closed-bridge options
- Whole-of-market specialist lender panel
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share the property, timeline and exit plan. We'll assess suitability and explain open vs closed-bridge options with no obligation.
02We Compare The Market
Your adviser searches specialist bridging lenders for competitive rates, fees and terms that match your exit strategy.
03We Find The Deal
We manage valuation, underwriting and completion so funds can be released quickly when the opportunity can't wait.
Our Specialist Finance Services
Bridging Finance
Short-term funding to secure opportunities, refurbish assets or bridge the gap before long-term finance.
Read More
2nd Charge Mortgages
Release equity with a second charge while keeping your existing mortgage in place — flexible terms for established homeowners.
Read More
Commercial Mortgages
Finance for offices, retail, industrial and mixed-use property — whole-of-market options tailored to your business.
Read More
Development Finance
Funding for ground-up developments, conversions and heavy refurb projects with experienced underwriting support.
Read MoreCommon Specialist Finance Questions
Bridging can complete in as little as a few weeks when documentation and valuations are in order. Timelines vary by lender and complexity — we will give you a realistic schedule upfront.
Closed-bridge has a clear, identifiable repayment exit (for example sale or refinance on a set date). Open-bridge is more flexible where the exit is less certain — it can carry higher risk and pricing. Your adviser will match the structure to your plan.
Common uses include buying before selling, auction purchases, chain breaks, light or heavy refurbishment, and bridging until a residential or commercial mortgage completes. We'll confirm eligibility for your specific case.
Yes — bridging is short-term specialist finance, so interest and fees are typically higher than a standard residential mortgage. We compare the market and explain total costs clearly before you proceed.
Typically ID, proof of address, property details, exit strategy evidence, and income or asset information depending on the lender. We provide a tailored checklist for your application.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
