Rates from 0.55% per month. Residential and commercial. Completion in as little as 5 days. Get your quote free — speak to a specialist the same day.
£6m+
Arranged this year
250+
Deals completed
7 lenders match
Sorted by lowest monthly rate
Standard Regulated Bridging · up to 75% LTV · 2% fee
0.62%
per month
£1,550
interest/mo
£5,000
arr. fee
£23,600
total cost
Regulated Bridging · up to 75% LTV · 2% fee
0.69%
per month
£1,725
interest/mo
£5,000
arr. fee
£25,700
total cost
Residential Bridging (Flat) · up to 75% LTV · 2% fee
0.74%
per month
£1,850
interest/mo
£5,000
arr. fee
£27,200
total cost
Standard Bridging · up to 75% LTV · 2% fee
0.74%
per month
£1,850
interest/mo
£5,000
arr. fee
£27,200
total cost
Regulated Bridging · up to 75% LTV · 2% fee
0.84%
per month
£2,100
interest/mo
£5,000
arr. fee
£30,200
total cost
Bridging Loan · up to 70% LTV · 2% fee
0.89%
per month
£2,225
interest/mo
£5,000
arr. fee
£31,700
total cost
Bridging Loan · up to 75% LTV · 2% fee
0.9%
per month
£2,250
interest/mo
£5,000
arr. fee
£32,000
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 0.55% 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 | 0.62% – 0.75% | 2% | £1,550 – £1,875 |
| 60% – 70% LTV | 0.75% – 0.95% | 2% | £1,875 – £2,375 |
| 70% – 75% LTV | 0.95% – 1.20% | 2% | £2,375 – £3,000 |
| 75%+ specialist | 1.20% – 1.50% | 2% | £3,000 – £3,750 |
*Based on £250,000 bridge. Interest only.
Our Lender Panel
The monthly rate is only part of the picture. Three interest structures, all based on the same worked example: £250,000 at 0.62% per month over 12 months.
Retained
Regulated (12m max) & unregulated
Interest for the full term is calculated upfront and added to the loan on day one.
Rolled up
Unregulated
Interest accrues monthly on the outstanding balance — compounding as it goes.
Serviced
Unregulated
Interest is paid monthly on the original loan amount only — no compounding.
Same loan, same rate — three different costs
Retained
≈ £20,370
Rolled up
≈ £19,290
Serviced
£18,600full term — less on early exit
Always compare the total charge for credit — not just the monthly rate.
Compare ratesGet 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.
Click Enquire and an adviser will call you — often with a DIP the same day.
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 0.55% to 1.5% per month depending on loan to value, property type, and loan size. But the monthly rate is only part of the picture — here's what makes up the true cost.
Three ways interest can be structured on a bridging loan:
1. Retained interest (the standard on regulated bridges)
Interest for the full term is calculated upfront and added to the loan on day one. No monthly payments; the interest is repaid in full when the loan exits. On regulated bridging through our panel, this is the only structure offered, and the maximum term is 12 months.
Example — £250,000 at 0.62%/mo over 12 months: total interest ≈ £20,370. You repay ≈ £270,370 plus fees on exit.
2. Rolled-up interest (unregulated)
Interest accrues monthly on the outstanding balance and is added to the loan each month — compounding as it goes. No payments during the term; the balance grows month by month and is repaid on exit. Early exit saves money.
Example — £250,000 at 0.62%/mo over 12 months: total interest ≈ £19,290. You repay ≈ £269,290 plus fees on exit.
3. Serviced interest (unregulated)
Interest is paid monthly on the original loan amount only — no compounding. The cheapest option if you repay before the full term. Available on unregulated bridges, where terms can extend to 24 months.
Example — £250,000 at 0.62%/mo over 12 months: total interest £18,600 (or less on early exit). You repay £250,000 plus fees on exit.
Upfront (non-refundable if the deal does not complete):
Joint representation is available with some lenders on our panel — one solicitor acts for both sides, reducing total legal costs.
Added to the loan (repaid on exit):
Always compare the total charge for credit — not just the monthly rate. A lower rate does not always mean a lower total cost once arrangement fees, interest basis, and any exit fees are factored in.
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 bridging applies where you or a close family member will occupy the security property. It is governed by the FCA. On our panel, regulated bridges are offered on a retained-interest basis with a maximum term of 12 months.
Unregulated bridging applies to investment property, commercial property, and non-residential use. It is not FCA regulated. Terms extend up to 24 months, with the choice of serviced (monthly), retained, or rolled-up interest.
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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