Bridging Loan Rates UK 2025

Compare the best bridging loan rates from 0.45% monthly. Get same-day quotes and 5-7 day completion.

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Calculate Your Monthly Payment

Loan Amount (£)

Loan Term (months)

Estimated Monthly Payments

Prime Bridging

£2,250

0.45% monthly

FastBridge Funding

£2,500

0.50% monthly

QuickBridge

£2,750

0.55% monthly

BridgeDirect

£3,000

0.60% monthly

Compare Bridging Loan Rates 2025

Find the best bridging loan rates from top UK lenders

Lender	Monthly Rate	Max LTV	Loan Range	Speed	Key Features
Prime Bridging	0.45% per month	75%	£100,000 - £25,000,000	5-7 days	No exit fees Flexible terms Same-day decisions
FastBridge Funding	0.50% per month	80%	£100,000 - £15,000,000	3-5 days	Pre-approval available Auction specialist 24/7 support
QuickBridge	0.55% per month	70%	£250,000 - £10,000,000	7-10 days	Development exit Refurbishment loans Chain break
BridgeDirect	0.60% per month	65%	£500,000 - £5,000,000	10-14 days	Commercial properties Land purchase Portfolio loans

What Affects Bridging Loan Rates?

Understanding the factors that influence your bridging loan rate

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Property Type

Residential properties typically secure better rates than commercial or development properties. Prime residential locations can access rates from 0.45% monthly.

📊

Loan-to-Value (LTV)

Lower LTV ratios secure better rates. Loans at 60% LTV typically get 0.45-0.50% monthly, while 75% LTV loans may attract 0.55-0.65% monthly.

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Borrower Experience

Experienced property investors with strong track records can negotiate better rates. First-time borrowers may pay 0.05-0.10% more monthly.

⏰

Loan Term

Shorter terms (3-6 months) often secure better rates than longer terms (12-24 months). Lenders prefer quick exits and lower risk exposure.

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Exit Strategy

Clear, achievable exit strategies (sale, refinance, development completion) help secure better rates. Unclear exits increase lender risk and rates.

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Loan Amount

Larger loans (£1M+) often secure better rates due to economies of scale. Smaller loans (£100k-£500k) may attract slightly higher rates.

Bridging Loan Rates FAQ

Common questions about bridging loan rates and costs

Frequently Asked Questions

Get answers to the most common questions about bridging loans

Bridging loan rates in 2025 typically range from 0.45% to 0.80% per month, depending on the lender, loan amount, and property type. Prime residential properties can secure competitive rates from 0.45% monthly, while commercial or higher-risk properties may attract rates up to 0.80% monthly.

Bridging loan rates are significantly higher than mortgage rates (typically 0.45-0.80% monthly vs 4-6% annually for mortgages) because they're short-term loans with higher risk. However, bridging loans offer speed and flexibility that mortgages cannot match, making them ideal for time-sensitive property transactions.

Key factors include loan-to-value ratio (LTV), property type, borrower experience, loan term, and exit strategy. Lower LTV ratios, residential properties, experienced borrowers, shorter terms, and clear exit strategies typically secure competitive rates.

Yes, rates are often negotiable, especially for larger loans (£1M+) or experienced borrowers. Working with a broker like FastBridge Funding can help secure better rates through our lender relationships and volume discounts.

Bridging loans typically include arrangement fees (1-2%), valuation fees (£500-1500), legal fees (£1000-3000), and potentially exit fees. Always request a full breakdown of all costs before proceeding. Some lenders offer 'no exit fee' products.

Approval times vary by lender but typically range from 3-14 days. FastBridge Funding can often provide same-day quotes and pre-approval within 24-48 hours, with completion in 5-7 days for straightforward cases.