The gross loan is what you borrow and what interest is charged on. The net advance is what actually reaches you once the arrangement fee, the interest and the setup costs come out. On a six month bridge the gap is usually tens of thousands.

Rates rise sharply and default terms bite, and the lender holds security over your property. It's the single biggest risk in bridging, which is why the term you choose matters as much as the rate.

It's how you repay: a sale, a remortgage, or funds from elsewhere. Lenders care more about this than anything else, because bridging isn't designed to be repaid from income. No credible exit, no loan.

Retained means the interest is held back upfront so you make no monthly payments. Rolled up means it's added to the balance and settled at the end. Serviced means you pay it monthly. Most people take retained or rolled up.

No. We act for you on the legal side, the security, the title and the paperwork. You'll need a broker or lender for the finance itself.