Rates from 0.44% per month. Residential and commercial. Average completion 2–12 weeks. No obligation.
£12m+
Arranged this year
500+
Deals completed
2–12 weeks
Average completion
4.8★
Trustpilot rating
10 lenders match
Sorted by lowest monthly rate
Standard Bridging · up to 75% LTV · 2% fee
0.44%
per month
£1,100
interest/mo
£5,000
arr. fee
£18,200
total cost
Residential Bridge · up to 70% LTV · 2% fee
0.49%
per month
£1,225
interest/mo
£5,000
arr. fee
£19,700
total cost
Standard Bridging · up to 75% LTV · 2% fee
0.55%
per month
£1,375
interest/mo
£5,000
arr. fee
£21,500
total cost
Standard Bridging · up to 75% LTV · 2% fee
0.55%
per month
£1,375
interest/mo
£5,000
arr. fee
£21,500
total cost
Standard Bridging · up to 75% LTV · 2% fee
0.55%
per month
£1,375
interest/mo
£5,000
arr. fee
£21,500
total cost
Regulated Bridge · up to 75% LTV · 2% fee
0.57%
per month
£1,425
interest/mo
£5,000
arr. fee
£22,100
total cost
Standard Bridging · up to 75% LTV · 2% fee
0.59%
per month
£1,475
interest/mo
£5,000
arr. fee
£22,700
total cost
Light Refurb Bridge · up to 70% LTV · 2% fee
0.65%
per month
£1,625
interest/mo
£5,000
arr. fee
£24,500
total cost
Standard Bridge · up to 75% LTV · 2% fee
0.65%
per month
£1,625
interest/mo
£5,000
arr. fee
£24,500
total cost
Flexible Bridge · up to 75% LTV · 2% fee
0.72%
per month
£1,800
interest/mo
£5,000
arr. fee
£26,600
total cost
Rates shown are indicative and subject to lender criteria. Your actual rate depends on the property, LTV, loan amount, and exit strategy.
A bridging loan is short-term finance used to bridge the gap between buying a property and arranging longer-term finance. Commonly used for auction purchases, chain breaks, refurbishments, and development. Rates are quoted monthly — typically from 0.44% to 1.5% per month — with terms from 1 to 24 months. Compare rates from our panel of FCA-regulated and specialist lenders above.
A bridging loan is short-term finance used to “bridge” a financing gap — typically when you need to purchase a property quickly before selling an existing one, or when you need fast access to capital for refurbishment or development. Unlike traditional mortgages, bridging loans typically complete in 2 to 12 weeks and are available for both residential and commercial property.
Bridging finance is regulated by the FCA when secured against a property the borrower (or a close family member) will live in. Unregulated bridging applies to investment and commercial properties.
| LTV range | Monthly rate | Typical fee | Monthly cost* |
|---|---|---|---|
| Under 60% LTV | 0.44% – 0.55% | 1.5 – 2% | £1,100 – £1,375 |
| 60% – 70% LTV | 0.55% – 0.75% | 1.5 – 2% | £1,375 – £1,875 |
| 70% – 75% LTV | 0.75% – 1.0% | 1.5 – 2% | £1,875 – £2,500 |
| 75%+ specialist | 1.0% – 1.5% | 1.5 – 2% | £2,500 – £3,750 |
*Based on £250,000 bridge. Interest only.
Our Lender Panel
Get a Decision in Principle within hours — so you can move fast on your deal.
Residential, commercial, mixed-use, land, and development sites accepted.
Most bridging loans complete within 2 to 12 weeks from application to funds.
CCJs, defaults, and complex backgrounds — we have lenders for every customer profile.
First charge and standalone second charge bridging available. Keep your existing mortgage in place.
Both FCA-regulated residential and unregulated commercial bridges arranged.
Enter loan amount, property value, and term to see matching lenders.
See monthly rates, fees, and total costs from our lender panel side by side.
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A bridging loan is short-term finance, typically 1-24 months, used to bridge a financing gap. Common uses include auction purchases, chain breaks, refurbishment, and development. Repaid when the property is sold or refinanced.
Rates range from 0.44% to 1.5% per month depending on LTV, property type, and loan size. Arrangement fees are typically 1-2%. Some lenders charge exit fees. Always compare total cost including all fees.
Most bridging loans complete within 2 to 12 weeks. Speed depends on case complexity, documentation, and the lender's valuation process. Auction purchases with tight deadlines can sometimes move faster.
An exit strategy is how you plan to repay the bridge. Common exits: selling the property, refinancing onto a mortgage, or selling another asset. Lenders require a clear, credible exit before they will lend.
Yes. We have lenders for every customer profile. CCJs, defaults, missed payments, and complex credit histories can all be considered. Bridging lenders focus primarily on the property and your exit strategy rather than credit score alone.
Regulated bridges are on property you or family will live in (FCA regulated). Unregulated bridges are for investment or commercial property — more flexible but fewer consumer protections.
Houses, flats, HMOs, commercial, mixed-use, land with planning, and development sites. Non-standard construction and properties in poor condition can also be considered by specialist lenders.
Most bridging loans have no ERCs — repay at any time without penalty. Some lenders charge a minimum interest period (typically 1-3 months). This is a key advantage over traditional mortgages.
Compare rates from our lender panel, then speak to a specialist adviser. Same-day DIP available.
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