Rates & Costs
Bridging Finance Rates
From 0.37% Per Month
Transparent, indicative rates across our full product range. Every deal is priced individually — your rate depends on the detail. These figures give you a starting point.
How To Read These Rates
What This Page Shows You
The rates below are live indicative rates — refreshed daily from our whole-of-market panel of 250+ active bridging products. They show you what's currently available across the full UK market, broken down by product type and loan-to-value (LTV) band. They're not teaser rates: every figure traces back to a specific lender currently willing to quote at that price.
The "overall lowest" figure at the top of the page is the cheapest monthly rate available anywhere in our panel today, regardless of product or LTV. It's a market floor — useful for context, but you won't necessarily get that rate. The "hero range" (0.50% – 0.75% per month at time of writing) is a more realistic band for a clean standard residential bridge at moderate LTV.
The "rates by product" table groups bridging into 11 product categories, each with rate ranges by LTV band. Pick the product that matches your situation and read across to your LTV band. Most products tier upward as LTV rises — sub-55% LTV deals price tightest, 70–75% LTV widest. Standard residential bridges price tightest of all because lender competition is deepest there.
The figures don't include the other costs of borrowing: arrangement fee (typically 1–2% of gross loan), valuation, legal fees both sides, and a broker fee on completion. Our bridging calculator models the all-in cost; the Costs Beyond Interest section below this table breaks down each item with typical ranges.
Looking for a specific product? The headline rates here are starting points; each individual product page has the underwriting detail, eligibility, and use cases: quick purchase, auction finance, refurbishment bridging, HMO finance, BTL exit bridging, no-PG bridging, and commercial bridging.
Indicative Rates
Rates by Product & LTV
All rates are indicative and subject to individual assessment. LTV is the single biggest factor in your rate. Expand any product below to see full pricing by leverage band.
Standard Bridging
Purchase & Refinance
Standard Bridging
Purchase & Refinance
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.49–0.75% | 1–2% | 0–1% | 5–14 days |
| 50–60% | 0.45–0.69% | 1–2% | 0–1% | 5–14 days |
| 60–65% | 0.50–0.75% | 1–2% | 0–1% | 7–14 days |
| 65–70% | 0.52–0.89% | 1.5–2% | 0.5–1% | 7–21 days |
| 70–75% | 0.55–1.00% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 75%+ | 0.70–0.69% | 2% | 1–1.5% | 14–28 days |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Development Exit
Refinance from development facilities
Development Exit
Refinance from development facilities
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.46–0.72% | 1–1.5% | 0–0.5% | 5–10 days |
| 50–60% | 0.45–0.65% | 1–1.5% | 0–0.5% | 5–14 days |
| 60–65% | 0.50–0.75% | 1–2% | 0–1% | 7–14 days |
| 65–70% | 0.55–0.79% | 1.5–2% | 0.5–1% | 7–14 days |
| 70–75% | 0.57–0.89% | 1.5–2% | 0.5–1% | 10–21 days |
| 75%+ | 0.67–0.66% | 2% | 0.5–1.5% | 14–28 days |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Commercial Bridging
Offices, retail, industrial, mixed-use
Commercial Bridging
Offices, retail, industrial, mixed-use
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.58–0.82% | 1.5–2% | 0.5–1% | 10–21 days |
| 50–60% | 0.57–0.89% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 60–65% | 0.59–1.05% | 2% | 0.5–1.5% | 14–28 days |
| 65–70% | 0.65–1.25% | 2% | 1–1.5% | 14–28 days |
| 70–75% | 0.75–1.50% | 2–2.5% | 1–2% | 21–42 days Select lenders only |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Auction Finance
28-day completion deadline
Auction Finance
28-day completion deadline
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.52–0.78% | 1–2% | 0–1% | 3–7 days |
| 50–60% | 0.45–0.72% | 1–2% | 0–1% | 3–10 days |
| 60–65% | 0.52–0.79% | 1.5–2% | 0.5–1% | 5–10 days |
| 65–70% | 0.56–0.89% | 1.5–2% | 0.5–1.5% | 7–14 days |
| 70–75% | 0.59–1.10% | 2% | 1–1.5% | 7–14 days |
| 75%+ | 0.73–0.72% | 2–2.5% | 1–2% | 10–21 days |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Light Refurbishment
Cosmetic works, no structural changes
Light Refurbishment
Cosmetic works, no structural changes
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.54–0.80% | 1–2% | 0–1% | 7–14 days |
| 50–60% | 0.45–0.72% | 1–2% | 0–1% | 7–14 days |
| 60–65% | 0.52–0.79% | 1.5–2% | 0.5–1% | 7–14 days |
| 65–70% | 0.55–0.89% | 1.5–2% | 0.5–1% | 10–21 days |
| 70–75% | 0.57–1.05% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 75%+ | 0.75–0.74% | 2% | 1–1.5% | 14–28 days |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Semi-Commercial
Mixed-use with residential element
Semi-Commercial
Mixed-use with residential element
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.54–0.80% | 1.5–2% | 0.5–1% | 7–14 days |
| 50–60% | 0.55–0.79% | 1.5–2% | 0.5–1% | 10–21 days |
| 60–65% | 0.57–0.89% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 65–70% | 0.59–1.05% | 2% | 0.5–1.5% | 14–28 days |
| 70–75% | 0.68–1.25% | 2% | 1–1.5% | 14–28 days |
| 75%+ | 0.75–0.74% | 2–2.5% | 1–2% | 21–42 days Limited availability |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Capital Raising
Release equity from existing property
Capital Raising
Release equity from existing property
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.49–0.75% | 1–2% | 0–1% | 5–14 days |
| 50–60% | 0.45–0.69% | 1–2% | 0–1% | 5–14 days |
| 60–65% | 0.50–0.75% | 1–2% | 0–1% | 7–14 days |
| 65–70% | 0.52–0.89% | 1.5–2% | 0.5–1% | 7–21 days |
| 70–75% | 0.55–1.00% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 75%+ | 0.70–0.69% | 2% | 1–1.5% | 14–28 days Most lenders cap at 70–75% |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Heavy Refurbishment
Structural works, extensions, conversions
Heavy Refurbishment
Structural works, extensions, conversions
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.67–0.93% | 1.5–2% | 0.5–1% | 10–21 days |
| 50–60% | 0.57–0.85% | 1.5–2% | 0.5–1% | 10–21 days |
| 60–65% | 0.59–0.95% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 65–70% | 0.59–1.10% | 2% | 0.5–1.5% | 14–28 days |
| 70–75% | 0.68–1.25% | 2% | 1–1.5% | 14–28 days GDV basis |
| 75%+ | 0.88–0.87% | 2–2.5% | 1–2% | 21–42 days GDV basis — select lenders only |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Land With Planning
Sites with planning consent
Land With Planning
Sites with planning consent
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.76–0.78% | 1.5–2% | 0.5–1.5% | 10–21 days |
| 50–60% | 0.59–0.95% | 2% | 0.5–1.5% | 10–21 days |
| 60–65% | 0.65–1.10% | 2% | 1–1.5% | 14–28 days |
| 65–70% | 0.68–1.25% | 2% | 1–2% | 14–28 days Select lenders only |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Second Charge
Behind existing first charge mortgage
Second Charge
Behind existing first charge mortgage
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.87–0.90% | 1.5–2% | 0.5–1.5% | 7–21 days Combined LTV |
| 50–60% | 0.57–1.05% | 1.5–2% | 0.5–1.5% | 10–21 days Combined LTV |
| 60–65% | 0.65–1.25% | 2% | 0.5–2% | 10–28 days Combined LTV |
| 65–70% | 0.68–1.15% | 2% | 1–1.5% | 14–21 days Combined LTV — residential only |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Adverse Credit
CCJs, defaults, discharged bankruptcy
Adverse Credit
CCJs, defaults, discharged bankruptcy
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.79–1.05% | 2% | 1–1.5% | 7–14 days |
| 50–60% | 0.80–1.02% | 2% | 1–1.5% | 7–14 days |
| 60–65% | 0.90–1.15% | 2% | 1.5% | 7–14 days |
| 65–70% | 1.05–1.30% | 2% | 1.5% | 10–14 days Strong security required |
| 70–75% | 1.20–1.45% | 2% | 1.5–2% | 10–14 days Select specialists only |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more → Land Without Planning
Speculative or pre-application sites
Land Without Planning
Speculative or pre-application sites
| LTV | Rate (pm) | Arrangement | Exit Fee | Completion |
|---|---|---|---|---|
| <50% | 0.64–0.69% | 2% | 1.5% | 14–28 days |
| 50–60% | 1.10–1.30% | 2% | 1.5% | 14–28 days Max for most lenders |
| 60–65% | Private lenders only | 2–3% | 1.5–2% | 21–28 days Very limited availability |
Interest type: Retained / Rolled-up. No monthly payments.
Learn more →Rates shown are indicative starting rates as of April 2026 and are subject to change. Your actual rate will depend on the specifics of your deal including LTV, property type, credit profile, and exit strategy. All rates exclude fees.
Understanding Your Rate
What Affects Your Rate
Six key factors determine how your loan is priced. We'll explain exactly how each one applies to your deal.
Loan-to-Value (LTV)
The lower your LTV, the better your rate. A 50% LTV deal will always price more competitively than 75% LTV. We help you optimise this where possible.
Property Type
Standard residential attracts the lowest rates. Commercial, mixed-use, land, and unconventional properties carry a premium reflecting their complexity.
Credit Profile
Clean credit gets the best rates. CCJs, defaults, or adverse history doesn't mean we can't help — but rates will reflect the additional risk lenders take on.
Exit Strategy
A clear, credible exit (sale agreed, remortgage in place) reduces lender risk and improves your rate. We help you present the strongest exit case possible.
Loan Size
Larger loans (£1m+) often attract lower rates as lenders compete for bigger tickets. Smaller loans may carry slightly higher rates to cover fixed costs.
Open vs Closed Bridge
A closed bridge (with a defined exit date and certainty) prices lower than an open bridge. If you know when you're repaying, you'll get a better rate.
Understanding Valuations
Types of Property Valuation
Every bridging loan requires a property valuation. The type your lender accepts depends on the property, the LTV, and the loan size.
AVM (Automated)
Free
Instant
Algorithm-based valuation using comparable sales data. Accepted by some lenders on standard residential at low LTV (under 60–70%). No physical inspection.
Desktop Valuation
£200 – £500
1–3 working days
Surveyor reviews remotely using Land Registry data, photos, EPCs, and comparables. No site visit. Suitable for straightforward residential properties.
Drive-by Valuation
£300 – £600
3–5 working days
Surveyor confirms the property exists and assesses external condition. No internal inspection. Used for mid-risk deals where visual confirmation is needed.
Full RICS Red Book
£500 – £5,000+
5–10 working days
Comprehensive internal and external inspection to RICS standards. Required for most bridging above 65% LTV, all commercial, development, and land transactions.
Reinspection & Monitoring Valuations
For refurbishment and development loans with staged drawdowns, an independent monitoring surveyor visits at each stage to certify works before the lender releases the next tranche. Typically £750–£1,500 per visit.
Valuation fees are paid by the borrower, typically upfront before the valuation is instructed. Fees are non-refundable even if the loan does not complete.
Worked Example
What Does a Bridging Loan Actually Cost?
Here's a real-world example. A £500,000 bridging loan over 9 months at 0.65% per month with rolled-up interest. No monthly payments — everything is repaid when you exit.
With rolled-up interest, you don't make a single payment during the loan term. The interest accrues and is added to the balance, then repaid as a lump sum when you sell, refinance, or otherwise exit the loan.
This keeps your cash free for the project itself — refurbishment costs, planning applications, or simply holding the asset while you arrange a longer-term solution.
Cost Breakdown
No monthly payments. The full £550,250 (loan + costs) is repaid as a single lump sum when you exit. If you repay early, you only pay interest for the months used.
Full Transparency
Costs Beyond Interest
Interest is only part of the picture. Here's everything else you should budget for. We'll confirm exact figures before you commit to anything.
Arrangement Fee
1.5% – 2%
Charged by the lender on completion. Typically 2% for most products, 1.5% for development exit. Usually added to the loan so no cash outlay required.
Valuation Fee
£500 – £5,000+
RICS Red Book valuation. Cost depends on property value and type. Standard residential from £500, commercial from £1,500, development sites from £1,500. Paid upfront.
Legal Fees
£3,000 – £10,000+
You pay both your solicitor and the lender's solicitor. Combined cost from £3,000 for simple residential, rising with complexity. Dual representation can save 30–50%.
Exit Fee
0% – 1.5%
Some lenders charge on redemption, others don't. Ranges from nil on standard deals to 1.5% on higher-risk products. We always flag this upfront in our terms comparison.
Our broker fee?
We charge a transparent broker fee which is agreed upfront before you proceed. No hidden charges, no surprises. We only get paid when your loan completes.
Common Questions
Rates & Costs FAQ
How much does a bridging loan cost in total?
The total cost depends on your loan amount, interest rate, term length, and fees. As a rough guide, expect total costs of 8–12% of the loan amount for a typical 6–12 month facility including interest, arrangement fee, exit fee, valuation, and legal costs. Use our calculator for figures specific to your deal.
Are bridging loan rates monthly or annual?
Bridging loan rates are almost always quoted monthly, not annually. So 0.65% per month equates to 7.8% per annum. This is different from mortgages which quote annual rates. Always check whether a rate is monthly or annual when comparing.
Do I have to make monthly interest payments?
In most cases, no. The majority of commercial bridging loans use rolled-up interest — the interest accrues during the term and is repaid as a lump sum when you exit the loan. This means no monthly payments, keeping your cash free for the project. Some lenders offer monthly serviced interest at a slightly lower rate if you prefer.
Can I repay early and save on interest?
Yes. Most bridging loans allow early repayment, and you'll only pay interest for the months the loan was outstanding. Some lenders charge a minimum interest period (typically 1–3 months), but many of our panel lenders offer no early repayment charges at all. We always clarify this before you commit.
Why are bridging loan rates higher than mortgage rates?
Bridging loans are short-term, arranged quickly, and carry different risk profiles to long-term mortgages. You're paying for speed, flexibility, and certainty — not a 25-year commitment. When you factor in the short duration and the ability to act on time-sensitive opportunities, the total cost is often far less than the cost of missing the deal entirely.
What rate will I actually get?
The rates on this page are indicative starting points. Your actual rate depends on LTV, property type, credit history, exit strategy, loan size, and whether it's an open or closed bridge. The best way to find out is to speak to us — we'll give you an honest indication within hours, not days.
What type of valuation will I need?
It depends on the property and the LTV. Low-leverage deals on standard residential may qualify for an AVM (free, instant) or desktop valuation (£200–£500). Most bridging deals require a full RICS Red Book valuation (£500–£5,000+ depending on value and property type). We'll tell you what to expect before you commit.
What is the typical interest rate on a bridging loan?
UK bridging rates in 2026 typically sit between 0.37% and 1.25% per month (4.5% to 15% per year equivalent), depending on LTV, security type, regulated vs unregulated, and borrower profile. Clean residential 60% LTV cases price keenly at the lower end; commercial, second-charge, adverse-credit or high-LTV cases price higher. Bridging interest is quoted monthly because the term is short — comparing the monthly rate against an annual mortgage rate is misleading.
Want an Exact Quote for Your Deal?
Tell us the basics and we'll come back with indicative terms. If we can respond immediately we will, otherwise within 2 hours during business hours.