Compare the best bridging loan rates from 0.45% monthly
Updated January 2024 - Rates from leading UK lenders
| Loan Type | Interest Rate | Max LTV | Term | Arrangement Fee |
|---|---|---|---|---|
| Residential Bridging | 0.45% - 0.75% | 75% | 3-18 months | 1-2% |
| Auction Finance | 0.55% - 0.85% | 70% | 3-12 months | 1.5-2.5% |
| Commercial Bridging | 0.65% - 1.25% | 80% | 3-24 months | 1-3% |
| Development Finance | 0.75% - 1.5% | 75% | 6-24 months | 2-3% |
| Chain Break | 0.50% - 0.80% | 75% | 3-12 months | 1-2% |
Understanding the factors that influence your interest rate
Higher value properties typically secure better rates due to lower risk for lenders.
Lower LTV ratios (more deposit) result in better rates as they reduce lender risk.
Shorter terms often attract better rates as they reduce exposure for lenders.
Clear, achievable exit strategies help secure more competitive rates.
Properties in good condition or with refurbishment potential may get better rates.
Experience, credit history, and financial strength all influence the rate offered.
Follow these expert tips to secure the most competitive rates
Compare rates from multiple lenders. We have access to 100+ bridging loan providers to find you the best deal.
Lower loan-to-value ratios (higher deposits) typically secure better rates. Aim for 60-70% LTV if possible.
Demonstrate how you'll repay the loan - property sale, refinancing, or other income sources.
Experienced brokers have relationships with lenders and can negotiate better rates on your behalf.
Our experts will find you the best bridging loan rates based on your specific circumstances.
Call now to speak with our team. Available 24/7 with instant responses and expert guidance.
+441403912764Common questions about bridging loan rates and costs
Bridging loan rates typically range from 0.45% to 1.25% per month, depending on the loan type, property value, and borrower profile. Residential bridging loans usually start from 0.45% monthly, while commercial and development finance can be higher.
Bridging loan rates are higher than traditional mortgages because they're short-term loans with higher risk. However, they provide speed and flexibility that mortgages can't match, making them ideal for time-sensitive property transactions.
Typical fees include arrangement fees (1-3% of loan amount), valuation fees (£500-£1,500), legal fees (£1,000-£2,000), and exit fees. Some lenders allow fees to be added to the loan amount.
Yes, rates can often be negotiated, especially for larger loans or borrowers with strong profiles. Working with an experienced broker can help secure better rates through their lender relationships.
We can provide initial rate quotes within 24 hours of receiving your application. For urgent cases like auction purchases, we can often provide same-day quotes.
Get a personalized quote with competitive rates from our panel of specialist lenders
Discover our comprehensive range of bridging finance solutions across the UK
Secure fast finance for auction properties with completion deadlines as short as 48 hours.
Finance property renovation and development projects with flexible bridging solutions.
Bridge the gap when your property chain breaks down or you need to complete quickly.
Access equity from your current property while searching for your next home.
Secure land for development projects with fast access to bridging finance.
Exit your development project with flexible refinancing options.
Call now to speak with our team. Available 24/7 with instant responses and expert guidance when you need it most.