Bridging Loan Rates
Rates vary by LTV, property type and exit strategy. Use our live quote tool to see today’s pricing and the real total cost with broker support if you want a second opinion.
Bridging Loan Rates at a Glance
0.55% - 1.5%
Typical monthly rate range (guide)
1-12 Months
Most bridging terms (some up to 24)
24-48 Hours
Decision in principle in many cases
Clear Costs
Full breakdown before you commit
Typical Bridging Loan Rate Ranges
Guide only. Use the quote tool for today’s pricing
Scenario
Typical monthly rate (guide)
Notes
Lower LTV + strong exit
From ~0.55%–0.85%
Clean security, straightforward refinance/sale
Standard bridging
0.85%–1.20%
Most purchases, light refurb, clear exit.
Complex / heavy works / unmortgageable
1.20%–1.50%+
Pricing depends on risk, works, and exit.
What Affects Your Bridging Loan Rate?
Loan to Value (LTV)
Lower loan to values typically get the lower rates
Credit History
Adverse credit tends to increase the rate due to risk
Property Type
Residential properties will have a lower rate than commercial properties
Exit Strategy
A clear and plausible exit strategy will give the lender comfort
Refurbishment Works
Heavy refurbishment equals more risk which means higher rates
Lender Criteria
Each lender has their own risk profile, lower risk means lower rates
Ready to Find Your Rate? Get a Live Quote in Minutes.
Frequently asked questions
Straight answers on bridging loan rates, fees, and how lenders price deals.
What are typical bridging loan rates in the UK?
Bridging loan rates are usually quoted as a monthly interest rate. As a guide, many deals sit somewhere around 0.55% to 1.5% per month, but the rate you get depends on the property, LTV, and your exit strategy. For an accurate figure, use the quote tool and we’ll confirm the full cost before you proceed.
Are bridging loan rates quoted monthly or APR?
Most bridging lenders quote a monthly rate, not an APR. APR can be less useful for short-term finance because bridging loans often include fees (arrangement, legal, valuation) and the term might be only a few months. The best way to compare options is to look at the total cost for your expected term.
What fees come with a bridging loan (besides the interest rate)?
- Arrangement fee (often a % of the loan)
- Valuation fee
- Legal fees (your solicitor + lender solicitor)
- Broker fee (if applicable) — Free with bridging Finance Broker
- Exit fee (some lenders, not all) We’ll show you a full breakdown upfront so you can see the real cost, not just the headline rate.
Is bridging interest paid monthly or “rolled up”?
- Rolled-up interest: nothing paid monthly; interest is added and paid at the end
- Serviced interest: you pay interest monthly
- Hybrid: part monthly, part retained/rolled Most clients prefer rolled-up if they want to keep monthly outgoings low, but it depends on cash flow and the deal.
What affects the bridging loan rate I’ll be offered?
- Loan to Value (LTV) (lower LTV usually = better pricing)
- Exit strategy (strong refinance/sale plan = better pricing)
- Property type (standard resi vs semi-commercial/commercial)
- Property condition / works (heavy refurb can increase pricing)
- Complexity and speed (tight deadlines can limit lender choice)
How quickly can I get a decision and funds?
In many cases you can get a Decision in Principle within 24–48 hours. Completion timing depends on valuation and solicitors, but bridging can sometimes complete in as little as 5–10 working days (faster on straightforward cases with the right team).
Do regulated bridging loans cost more than unregulated?
Not always, but regulated bridging can be more documentation-heavy because it’s for a property that is (or will be) your home. Pricing depends more on risk, LTV, and exit than the label alone. We’ll tell you early on whether your case is regulated and what that means for timescales and options.
Can I get a bridging loan with bad credit - and how does it affect the rate?
Yes, it’s often possible. Many bridging lenders focus on the security and the exit strategy. Credit issues can reduce lender choice and may affect pricing, but it doesn’t automatically mean “no”. The cleanest way is to run a quote and we’ll place it with a lender that matches the story.
What’s the maximum LTV for bridging, and does higher LTV mean higher rates?
Maximum LTV varies by lender and property type, but higher LTV usually means higher pricing because the lender is taking more risk. If you’re trying to push LTV, you may need a stronger exit, additional security, or a different structure.
Can I get a bridging quote without a valuation?
You can usually get an indicative quote without a valuation, but the final rate and loan amount are normally confirmed after the lender’s valuation. If speed matters, we’ll help you choose lenders and valuers that can move quickly.
How do I calculate the total cost of a bridging loan?
- The monthly interest rate
- The term (how many months you’ll keep it)
- Fees (arrangement, valuation, legal, broker, exit if any) A simple way is: interest cost for the term + fees = total cost. We’ll show you the full breakdown so you can compare options properly.
Is there a minimum term / can I repay early (and are there exit fees)?
- No exit fee (more flexible)
- An exit fee or minimum interest period (e.g., 1–3 months) We’ll flag this upfront so you don’t get caught out when you redeem.
Is it cheaper to go direct to a lender or use a broker?
Sometimes direct looks cheaper on the surface, but a broker can often save you money by matching you to the right lender first time, packaging the case properly, and avoiding delays (which can be expensive in bridging). The key is comparing total cost + certainty + speed, not just the headline rate.
What information do you need to give an accurate bridging rate quote?
- Property value and type
- Loan amount (or target LTV)
- Term needed
- Purpose (purchase/refinance/works)
- Exit strategy (sale or refinance)
- Any works / property condition issues With that, we can usually give a solid indicative quote quickly.