Expert guide to comparing bridging lenders: what to look for, red flags to avoid, and how to choose the right lender for your specific needs. From FastBridge Funding, the UK's leading bridging finance broker.
What to evaluate when comparing bridging lenders
Compare total cost, not just headline rate. 0.50% with no fees may be cheaper than 0.45% with high fees.
Higher LTV usually means higher rates. Consider if you can reduce LTV to get better terms.
For urgent deals (auctions, chain breaks), speed is often more valuable than lowest rates.
Request full fee breakdown in writing. Total fees often matter more than individual fees.
Confirm property type eligibility early. Some lenders specialize in specific property types.
For complex cases, brokers like FastBridge Funding provide access to specialist lenders.
Ensure your exit strategy is realistic and lender accepts it. Have backup plans.
For owner-occupier purchases, ensure you work with FCA-regulated lenders. For investment properties, unregulated is normal.
| Lender Type | Rates | Max LTV | Speed | Fees | Best For |
|---|---|---|---|---|---|
| FastBridge Funding (Broker) | 0.45-0.80% monthly | Up to 75% | 5-7 days | 1-2% broker + lender fees | Urgent deals, complex cases, choice of lenders |
| Direct Specialist Lender | 0.50-0.85% monthly | Up to 70% | 7-14 days | 1-2% lender fees only | Simple cases, when you know the lender, avoiding broker fees |
| High Street Bank | N/A (no bridging) | N/A | N/A | N/A | Long-term mortgages only, not bridging finance |
Clarify: loan amount, property type, timeline urgency, exit strategy, and any special requirements (overseas investor, complex structure, etc.).
Request quotes from 3-5 lenders or use a broker like FastBridge Funding to compare 100+ lenders instantly. Ensure all quotes include full fee breakdowns.
For each lender, calculate: (interest × months) + arrangement fee + exit fee + broker fee + valuation + legal. Compare total costs, not just rates.
For urgent deals, speed may be more valuable than lowest rates. Check completion timeframes, pre-approval availability, and flexibility if circumstances change.
Confirm lender accepts your property type, has experience with your scenario (auction, chain break, etc.), and can handle any complexities (overseas, development exit, etc.).
Check lender reputation, regulatory status, read reviews, and ensure all terms are in writing. Avoid lenders with red flags or unclear terms.
We compare 100+ specialist lenders instantly, saving you hours of research and ensuring you see all options.
Our volume discounts and lender relationships often secure better rates than going direct, offsetting broker fees.
We help you understand total costs, identify the best lender for your scenario, and avoid costly mistakes.
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