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hi kevin wright back with another property finance tip so what are we going to be talking about this week well if youre new to bridging and it all seems a bit confusing to you then stick around because im going to explain the basics of bridging finance keep watching [Music] [Applause] okay so maybe youre new to bridging and its a bit confusing and maybe its its a bit scary too because it is for most people so what are the key things you need to know about bridging lets drill down into those and look at those one by one okay now lets start off what is bridging well its short term finance so its finance that youd use to buy a property and then youd either within a few months typically youd sell or refinance that property pay the bridging loan back so its a stop gap solution why would you use bridging finance because surely itd be more sensible to use a mortgage wouldnt it i mean its going to be cheaper certainly mortgages are cheaper than bridging so why would you use b