Bridging loan rates.
From 0.54% per month across our panel. What that figure means, what moves it, and the fees that decide what a bridge actually costs you.
There is no such thing as "the bridging rate".
Bridging is priced per month, not per year, and it is priced per deal. Two borrowers can approach the same lender on the same day with the same loan size and get different numbers, because the things that move the price are specific to the deal rather than to the market.
That is why the figure below is a from rate. It is the bottom of our panel's range for the cleanest kind of case. Most deals do not price there, and anyone quoting you a single number before they have seen your deal is quoting you a teaser.
| Product | Rate from |
|---|---|
| Bridging | 0.54% pcm |
| Development finance | 0.84% pcm |
Rates shown are "from" rates, correct as at 14 August 2026, and are subject to status, loan-to-value, security and lender criteria. They are not an offer or a personalised quote; a full quote follows your enquiry. Your property may be repossessed or receivers appointed if you do not keep up repayments on a loan secured against it.
Five things decide your rate.
If you want to know roughly where you will land before you speak to anyone, these are the levers. They are also, in order, what a lender looks at.
- Loan to value. The single biggest driver. A bridge at half the property's value prices very differently from one at three quarters of it, because the lender's margin for error is completely different.
- The exit. How the loan gets repaid, and how certain that is. A closed bridge with an exchanged sale and a completion date prices better than an open bridge with a credible plan, because the lender can see the end of it.
- The security. A standard residential unit in a liquid area is the easy case. Part-built schemes, unusual construction, land without planning and specialist assets all price wider, because the lender is asking who else would buy this if it had to.
- Your experience. A borrower with a track record of delivering the same kind of project is a different risk from a first-timer, and pricing reflects that.
- Term and speed. A short, well-prepared case with the legal pack ready costs less to underwrite than one that drags. Speed is usually bought with preparation, not with rate.
None of that is unique to us. What a broker adds is knowing which lenders on a panel of dozens will look at your particular combination of those five, so you are not paying a specialist-asset premium on a case that did not need one.
The rate is not the cost.
Comparing two bridges on monthly rate alone is how people end up with the more expensive one. These are the other line items, all of which are quoted to you in full before you commit.
- Arrangement fee. Charged by the lender, usually a percentage of the loan, normally added to the facility rather than paid up front.
- Valuation. Paid by you, to a valuer on the lender's panel. Larger and more unusual assets cost more to value.
- Legal costs. Yours and the lender's. On a bridge you generally pay both, which surprises people the first time.
- Exit fee. Not every lender charges one. Where it exists it is often a percentage of the loan or of the redemption figure, and it is worth reading closely, because a low monthly rate with a high exit fee can cost more than the reverse.
- How interest is handled. Retained, rolled up or serviced. Retained and rolled-up interest reduce the net amount you actually receive, which is the number that decides whether the deal works.
- Our fee. Disclosed to you in full before you commit. We may also be paid a commission by the lender.
The bridging calculator takes a rate and a loan size and gives you the net advance, the rolled-up interest and the total cost, which is the comparison worth making. How bridging works →
Pricing by type of deal.
Auction finance
Usually the cleanest case: a fixed completion date, a known asset and a defined exit. Prepared early, it prices well.
02 / RefurbishmentRefurbishment bridging
Light refurbishment sits near standard bridging. Heavy refurbishment moves towards development pricing, because the lender is funding works in stages.
03 / CommercialCommercial bridging
Priced on the asset and the tenant position. Vacant and specialist commercial prices wider than let, standard stock.
04 / DevelopmentDevelopment finance
A different product with a different structure: land and build tranches, drawdowns and a loan measured against cost and end value.
Bridging rates, answered.
What is a typical bridging loan rate?
Our panel starts at 0.54% per month for the cleanest cases. There is no typical rate beyond that, because pricing is set by loan to value, the exit, the security, your experience and the term. Anyone publishing one number for all deals is advertising, not quoting.
Why is bridging quoted per month?
Because it is short-term. Most bridges run for a few months to a couple of years, so an annual rate would be a misleading way to express the cost. Multiply the monthly rate by twelve if you want the annual equivalent, but remember most bridges are not held for a year.
Is a lower rate always cheaper?
No, and this is the most common mistake. Arrangement and exit fees, how interest is treated and the term all change the total. A 0.75% loan with no exit fee can beat a 0.65% loan with a 1% exit fee. Compare the total cost to redemption, not the headline.
How quickly can you give me a real number?
Usually within a day of having the property, the loan size, the exit and how the borrowing entity is set up. That is an indication from our panel rather than a formal offer, but it is a real number for your deal rather than a teaser.
Do you arrange bridging for individuals?
Not on a home you live in, which is regulated lending. We arrange unregulated bridging for limited companies and SPVs, secured on commercial and investment property. For a bridge on your own home, one of our qualified FCA-approved partners handles it. Bridging for homeowners →
Tell us about the deal.
- Call0333 577 1988
- WhatsApp07977 486886
We arrange finance for limited companies, SPVs and corporate borrowers only.