The short answer
Bridging lenders do not all follow one rule. Some set a maximum age at the end of the loan term, and others look mainly at the property, the exit and your experience. Policies change, so we check the current position with each lender before we recommend one.
Why age can matter
A bridging loan is short term, usually one to 24 months, and it must be repaid in full at the end. Lenders therefore think carefully about how it will be repaid.
- If you will sell the property, your age usually matters less, because the sale repays the loan.
- If you will refinance onto a mortgage, the mortgage lender's own age and affordability rules apply, so we check the exit before you borrow.
What lenders usually look at
- The property: its value, its condition and how easily it could be sold
- How much you borrow compared with the value (loan to value)
- A realistic exit plan and timing
- Your experience and the overall deal
If the loan is secured on your home
A bridging loan secured on a home that you or your family live in is regulated by the FCA. The lender must then check that the loan is affordable and how it will be repaid, which can matter more as you get older. Loans secured on investment or commercial property are usually not regulated by the FCA, but a clear exit still matters most.
What to do next
Tell us your plans and your exit at the start. We compare specialist lenders, explain which are likely to suit your case, and plan the exit from day one. You can also read how it works in our bridging loans guide.
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Open the deal checkerCommon questions
Does a bridging loan have a maximum age?
It depends on the lender. Some set a maximum age at the end of the term and others do not. We check each lender's current policy for your case.
Does age matter if I will sell the property to repay?
It usually matters less, because the sale repays the loan, but lenders still want a clear and realistic plan and timescale.
Does age matter if I will refinance onto a mortgage?
It can. The mortgage lender's age and affordability rules apply to the refinance, so we check that route before you take the bridge.
Important: This article is general information, not personal advice. Lender policies and criteria change; speak to an adviser about your circumstances. Bridging loans are short term, secured borrowing and can be expensive, so you need a clear and realistic exit plan. Commercial mortgages, most business finance and some bridging loans are not regulated by the FCA. Your home may be repossessed if you do not keep up repayments on your mortgage.