Bridge Fusion Finance for an Opportunity That Requires a Long-Term Outlook

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There are some scenarios in the property market which need smaller bespoke loans with longer time-frames. In the current landscape, even seasoned property investors may want to proceed with caution. With legislation tightening in 2026 and costs rising, experienced BTL landlords are looking at lots of different portfolio diversification options.

Say an experienced BTL landlord wants to expand their portfolio with some affordable housing options. They have spotted a gap in a local market where there is clear demand for lower rents in an emerging economic hub. Within this region, the rental yields may be relatively low, but the local house prices make it tempting.

In fact, the timing is also fortuitous. A local development has reached its final stages, and it was developed around creating affordable, yet desirable rental options for local workers. The units have just been marketed to local BTL landlords who can secure a quota of the units at a discounted price before the wider project is opened up to the broader market.

The only issue is that renters themselves cannot move into the units for at least 20 months. As the landlord doesn’t want to miss the opportunity, they turn to us for support.

Seeing that they had many renters lined up to move in down the line, we could offer Bridge Fusion finance that would work with this situation. We can deliver a Bridge Fusion loan as low as £100,000, with a term of up to 24 months. We can also roll the first 12 months of the loan, so the borrower wouldn’t need to pay any interest in the first year which would help with cash flow. This would allow the borrower to purchase the asset, and wait for the time in which they’re generating income that would support a refinancing exit strategy.

To cover the loan in the interim, we’d utilise the experienced landlord’s wider portfolio. With a sprawling property portfolio generating substantial rents that more than covered the repayments, we’d be able to comfortably deliver Bridge Fusion finance quickly to allow the borrower to jump on the opportunity.

Working on a similar case?

For experienced landlords looking to leverage their wider portfolio to secure time-sensitive opportunities, our team can explore whether Bridge Fusion is the right fit.

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FAQs

What is the maximum term available with Market Financial Solution’s bridging loans?

Across all our residential and commercial bridging loans, we have a maximum term of 18 months. Terms start from three months. Bridge Fusion has a 24-months term for greater stability.

What is a rental yield?

A rental yield is how much a landlord could expect to receive in rent each year from their investment. It’s expressed as a percentage, and it reflects the rental income against the property’s market value. A “good” rental yield will depend on context and the investor’s circumstances, but average yields tend to sit between 5% and 8%.

What is considered a “low” property price?

Again, this will depend on the circumstances at hand. Average UK house prices sat at £271,000 by late 2025, yet in Northern England and Wales, it’s possible to find properties that are substantially cheaper than this.

What legislation is coming that will impact BTL investors?

The Renters’ Rights Act is set to upend the rental market in the coming months. The first tranches of changes will come into play from May 2026, and this includes the ending of section 21 evictions, fixed contracts, and bidding wars. With these changes, many landlords may be forced to amend their portfolios and strategies.

What are the most expensive property types in the UK?

Prime residential properties in central London will prove to be the most expensive property type in the UK. This includes multi-storey mansions, townhouses and the like. Within the BTL market specifically, large HMOs tend to have the highest entry costs for landlords. These are large homes that house at least five renters who share toilet, bathroom or kitchen facilities with other tenants.