Short Term Lending and Mortgages
We understand that sometimes you need quick, flexible financing to seize opportunities or bridge a gap. Our short-term lending services offer tailored solutions designed to meet your immediate needs, with competitive rates and flexible terms.
Do I Need Short-Term Lending?
Short-term lending is a flexible financing solution designed to meet immediate financial needs, typically repaid over months to a few years. These loans are ideal for clients who need quick access to capital for a variety of personal or business purposes. With faster approval processes and fewer restrictions, short-term loans provide essential liquidity when you need it most.
These loans are often secured against assets such as property or business holdings, giving you the financial freedom to act quickly without long-term commitments. Whether you’re looking to fund a property development, purchase a new business, or manage cash flow during a temporary shortfall, short-term lending can help you get there faster.
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Our Short-Term Loan Mortgages Service
With our short-term finance options, you can benefit from:
Flexible Loan Terms
Competitive Interest Rates
Benefit from lower interest rates compared to other short-term lenders, saving you money over the life of the loan.
Quick Access to Funds
We prioritise fast approvals, ensuring you have the capital you need without delays.
Simple Application Process
Our streamlined application process means you can access funds quickly and efficiently, with minimal paperwork and hassle.
Dedicated Expert Support
Our Eligibility Criteria
To qualify for our short-term mortgages, you should typically meet the following criteria:
Property or Asset Security
Minimum Income
Good Credit History
We Can Open Doors to Thousands of Mortgage Options
Purchase Products
Re-Mortgage Products
Mortgage Products with Private Banks
Common Uses for a Short-Term Mortgage
Short-term mortgages are versatile and can be used for a range of purposes. Here are some of the most common:
- Bridge a Financial Gap: Short-term loans can help cover temporary cash flow gaps, providing the necessary funds until your longer-term financing comes through.
- Fund a Property Development: Ideal for property developers who need quick access to capital to fund their project and repay the loan once the property is sold or refinanced.
- Purchase a New Business: Get the capital you need to acquire a business while awaiting a permanent financial solution or future earnings to repay the loan.
- Repay a Director’s Loan: You may have funded a project by drawing down your director’s loan account. Specialist finance is usually required to repay these funds.
Structuring a Complex Development Exit and Long‑Term Letting Strategy
A development client approached Orton Financial with four newly built homes held in a trading company — but shifting market conditions meant selling was no longer viable. The client wanted to retain and let the units, yet faced tax risks, lender restrictions, title issues, and an outstanding development loan.
Orton Financial engineered a two‑lender structure that allowed the titles to be split on completion, the properties transferred into a new SPV without stamp duty, and the development facility repaid efficiently — avoiding tax crystallisation and enabling a clean transition into long‑term investment.
EWS1 Mortgage Update: Six Months On – Challenges Continue, But Solutions Exist
Six months on, EWS1 issues still delay mortgages—especially reports from Tri Fire. Some surveyors even request EWS1 forms for properties with no cladding. We offer mainstream mortgage solutions that don’t require EWS1, saving time without compromising on price.
Unlocking Potential: How to Fund and Renovate Your Next Property
When time was tight and the financial picture complex, we helped our client secure a bridging loan to purchase and renovate their future home—while retaining their current property. With tailored advice and a fast turnaround, we turned a challenging situation into a smooth transition.
The Benefits of a Short-Term Mortgage
- Fast Access to Capital: Get the funds you need, when you need them, without long delays or complicated processes.
- Lower Interest Rates: Benefit from competitive rates that help you minimise your financing costs compared to other short-term lending options.
- Flexible Terms: Choose a loan term that works for your specific financial situation, from a few months to several years.
- No Early Repayment Penalties: Many of our short-term loans offer flexible repayment options with no penalties for early settlement.
How Short-Term Mortgages Work?
Short-term mortgages provide quick access to capital for a defined period, typically up to 5 years, depending on the loan structure. These loans are typically secured against property, offering lower interest rates compared to unsecured loans.
The main benefit is the speed of access—you can get the funds quickly to take advantage of time-sensitive opportunities. However, short-term loans are designed to be a temporary solution and may not be ideal for long-term financial strategies. Repayment terms are typically flexible but may require a lump sum payment at the end of the term or periodic repayments.
Short-Term Lending vs Bridging Loan
While both short-term lending and bridging loans are fast funding solutions, they differ in their structures and use cases.
Interest Rates & Terms
Short-term loans generally offer lower interest rates than bridging loans, reflecting their typically lower risk profile and more structured repayment terms. Bridging loans, by contrast, are often used for urgent transactions or time-sensitive opportunities, which contributes to their higher cost.
To put this into perspective:
- Private bank short-term loans typically start from 1.75% over base, which equates to 6.25% per annum with the base rate at 4.50%.
- Mainstream bridging loans often start from around 9.60% per annum, reflecting their increased flexibility and faster access, but with higher associated costs.
These figures highlight the value of exploring bespoke lending options with lower-cost private bank finance, provided you meet the eligibility criteria.
Eligibility Criteria
Short-term lending tends to have more flexible qualification criteria, often relying on the value of your assets rather than income, compared to the more stringent requirements of bridging loans.
Short-Term Mortgage vs Long-Term Mortgage
The key differences between short-term and long-term mortgages lie in their duration and purpose.
- Duration: Short-term mortgages typically have terms of less than 5 years, whereas long-term mortgages often extend up to 40 years. Short-term mortgages are for immediate needs and temporary financial situations.
- Flexibility: Short-term mortgages tend to offer more flexibility, with quicker approval processes and more adaptable terms compared to long-term mortgages, which are generally more rigid and focused on homeownership.
Examples of Short-Term Mortgages
To illustrate how flexible our short-term finance options are, here are examples based on different timeframes:
- 1-Year Term: If you need to bridge a gap in cash flow or need short-term working capital, a 12-month loan can provide the funds to cover the gap until your revenue streams stabilise.
- 2-Year Term: If you need to raise funds to purchase a new property, before the sale of your existing home, a 2-year term reduces the pressure that a 12-month bridging loan brings. These mortgages allow your bespoke and high-value properties the time they require to sell.
- 3-Year Term: Perfect for a property developer who needs capital for a building project, with plans to repay the loan upon sale or refinancing of the property.
- 5-Year Term: For clients looking to purchase a business or property but need time to secure long-term financing, a 5-year loan provides sufficient time to arrange alternative funding.
Why Choose Us?
Specialist Experience
Access to Private Banks
Transparent Terms
Customer-Focused Service
See Why Clients Choose Our Mortgage Experts
Luther is a fantastic broker, helpful, agile, friendly and fantastic at his job. Thank you for helping us to obtain a mortgage for our dream home! I would recommend Luther in a heartbeat! Thank you again.
Luther took the time to understand our situation and provided an excellent service. A better option became available and Luther was able to switch our mortgage for no additional fee. I would recommend him to friends of family.
I was already working with a broker but i wasn’t happy with the service they were providing. Once I had spoken to Luther I knew he was the right advisor for me.
An excellent experience with Luther. We are an expat family relocating from the US to the UK. Luther helped us through the process of finding a new home and truly helped us settle into a new country. We very much appreciate all the help and assistance. We would highly recommend Luther.
How Can I Get the Best Short-Term Mortgage Rates?
To secure the best rates, it’s important to work with an experienced financial partner who understands the market and can negotiate on your behalf. We’ve spent years building strong relationships with private banks and specialist lenders, ensuring we can offer you competitive rates and favourable terms.
How Can I Improve My Chances of Getting a Short-Term Mortgage?
- Maintain a Strong Credit Profile: A healthy credit score demonstrates financial responsibility and can help you secure better rates.
- Increase Your Equity: Higher equity in your property or assets means a lower risk for lenders and more favourable loan terms.
- Have Clear Repayment Plans: Presenting a clear strategy for how you’ll repay the loan will reassure lenders and increase your chances of approval.
Secure a Short-Term Mortgage with Expert Guidance
Ready to discuss your short-term finance options? Contact us today to speak with one of our experts and find the solution that works best for your needs.