Bridging — Lender Rates
Every UK bridging lender used in our comparison tool, with its published starting rates, arrangement fees, maximum LTV, loan size and term — plus the source and date for each figure.
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Last updated Reviewed by our Clifton International finance team.
In short
Published starting rates on our panel currently range from about 0.5% to 1% per month, usually with a 2% arrangement fee and maximum LTV of 70%–80%.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
Want to see which of these fit your loan? Use the live rate comparison tool.
| Lender | Rates from* | Max LTV | Loan size | Term | Fees | Second charge |
|---|---|---|---|---|---|---|
| Allica Bank | 0.69% pm (to 75% LTV) | 75% | £150k – £10m | 1–24 months | 2% arrangement fee; valuation and legals | Not confirmed |
| Bluecroft Finance | 1% pm (to 75% LTV) | 75% | £75k – £3m | 6–18 months | Fees case by case; no early-redemption charges | Not confirmed |
| Funding 365 | 0.59% pm (to 60% LTV); 0.69% pm (to 75% LTV) | 75% | £100k – £10m | 3–24 months | 2% arrangement fee; no exit fee | Not confirmed |
| Hampshire Trust Bank | 0.75% pm (to 75% LTV) | 75% | £100k – £10m | 6–24 months | 2% arrangement fee; minimum 3 months interest | Not confirmed |
| Hilco Real Estate Finance | 0.7% pm (to 80% LTV) | 80% | £2m – No stated max | 1–36 months | Fees by negotiation | Yes, to 80% LTV |
| LendInvest | 0.74% pm (to 75% LTV) | 75% | £75k – £15m | 1–12 months | 2% arrangement fee | Not confirmed |
| Maslow Capital | 0.65% pm (to 75% LTV) | 75% | £300k – No stated max | 1–60 months | Arrangement fee c. 1.5% – 2% | Not confirmed |
| Octopus Real Estate | 0.55% pm (to 70% LTV) | 70% | £50k – £25m | 1–24 months | Fees case by case | Not confirmed |
| Ortus Secured Finance | 0.499% pm (to 70% LTV) | 70% | £500k – £25m | 3–36 months | Fees case by case | Not confirmed |
| Precise Mortgages | 0.61% pm (to 75% LTV) | 75% | £50k – No stated max | 1–18 months | 2% facility fee | Yes, to 75% LTV |
| Recognise Bank | 0.7% pm (to 75% LTV) | 75% | £250k – £7.5m | 3–24 months | Fees case by case | Not confirmed |
| Shawbrook Bank | 0.74% pm (to 75% LTV) | 75% | £50k – £2.5m | 1–24 months | Fees case by case | Not confirmed |
| Together | 0.73% pm (to 75% LTV) | 75% | £26k – £5m | 1–24 months | c. 2% arrangement fee | Yes, to 75% LTV |
| Lender | Rates from* | Max LTV | Loan size | Term | Fees | Second charge |
|---|---|---|---|---|---|---|
| Glenhawk | 0.64% pm (to 75% LTV) | 75% | £100k – £2m | 1–12 months | Fees case by case | Not confirmed |
| LendInvest | 0.82% pm (to 75% LTV) | 75% | £75k – £3m | 1–12 months | 2% arrangement fee | Yes, to 75% LTV from 0.89% pm |
| Market Harborough BS | 0.53% pm (to 70% LTV) | 70% | £200k – £5m | 1–12 months | 2% product fee + £95 application fee | Not confirmed |
| Precise Mortgages | 0.6% pm (to 75% LTV) | 75% | £50k – No stated max | 1–12 months | 2% facility fee | Yes, to 75% LTV |
| Somo | 0.71% pm (to 75% LTV) | 75% | £75k – £3m | 1–24 months | Lock-in and valuation fees apply | Yes, to 75% LTV |
| Together | 0.73% pm (to 75% LTV) | 75% | £50k – £3m | 1–12 months | c. 2% fee + £100 redemption admin | Yes, to 75% LTV |
| United Trust Bank | 0.58% pm (to 75% LTV) | 75% | £100k – £5m | 1–12 months | c. 2% arrangement fee (to confirm) | Yes, to 70% LTV |
| West One Loans | 0.75% pm (to 70% LTV) | 70% | £75k – £30m | 1–12 months | Fees case by case | Yes, to 65% LTV from 0.95% pm |
*Indicative only: lowest published "from" rates per month, taken from each lender's own published guide or website. Rates, fees and criteria change without notice and depend on the property, exit, credit profile and underwriting. Clifton International is an introducer, not a lender or adviser, and does not handle client funds. Not a quote or recommendation.
Why clients choose us
Rates, fees and limits side by side for regulated and unregulated lenders.
Each row shows where the figures came from and when.
Lender sources are checked every month and updated only after review.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Leeds · Bridging
£1.3m · 65% LTV · 12-month regulated bridge
£1.3m regulated bridge to help a Leeds family secure a significantly larger home before selling their existing property — funded in under 3 weeks.
Malaga · Bridging
£230k · c.25% LTV · 36 days to completion
A regulated bridging loan raised against an unencumbered Edinburgh home to secure a £230k apartment in Malaga, Spain — completed in 36 days.
Oxfordshire · Bridging
£1.2m · 60% LTV · chain-break bridge
£1.2m chain-break bridge that saved a rural Oxfordshire purchase after the buyers' onward sale collapsed at the eleventh hour.
Frequently asked
Each figure is taken from the lender's own published product guide, rate card or website, with the source and date shown against every lender. They are checked monthly and only updated after review.
Not always. Arrangement fees, minimum interest periods, exit fees, valuation and legal costs all affect the total cost, and the lowest rates usually apply only at lower loan-to-value.
Regulated bridging is secured on a home you or a close family member live in and is covered by FCA rules. Unregulated bridging is for investment, commercial or business purposes.
UK bridging finance by scenario
Each page covers the structure, criteria, costs and typical timescales for one bridging use case — with real completed transactions.
Calculate interest, arrangement and exit fees, valuation and legals — with a fully worked £510,000 example.
View pageRegulated and unregulated lender panels compared — and why bridging is placed through a specialist, not shopped direct.
View pagePick loan amount, LTV and term to compare each lender's published rate and fee instantly.
View pageThe UK specialist banks, lenders and funds that write bridging loans — named and compared.
View pageFacilities structured for the 28-day auction completion window, with pre-auction agreements in principle.
View pageComplete on your onward purchase when a buyer withdraws or the chain collapses.
View pageRefinance a completed scheme onto cheaper short-term debt while units sell.
View pageWhich regime applies to your case, and what changes in criteria, cost and process.
View pageRaise capital behind an existing mortgage without disturbing the first charge.
View pageUK-secured short-term finance for British expatriates, foreign nationals and offshore SPVs.
View pagePurchase-plus-works and heavy refurbishment finance with staged drawdowns.
View pageRelated UK services
Residential, buy-to-let and high-value mortgages for UK and international clients.
Learn moreFast short-term funding for auctions, chain-breaks, refurbishments and exits.
Learn moreSenior debt and stretched-senior facilities for residential and mixed-use schemes.
Learn moreInvestment and owner-occupier funding for offices, hospitality, retail and logistics.
Learn moreImproved terms, capital raising and exit refinance for maturing UK facilities.
Learn moreReady to explore your options?
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