Bridging — Live Rate Comparison
Choose your loan amount, loan-to-value and term to see which UK bridging lenders fit, with each lender's published starting rate, arrangement fee and indicative cost over your term.
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Last updated Reviewed by our Clifton International finance team.
In short
It depends on loan size, LTV, term and whether the property is your main residence. Use the tool below to filter lenders to your case and compare their published rates and fees side by side.
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.
Enter the property security value, any existing debt the loan will repay, the loan you need and the term — results update instantly using each lender's published "from" rates.
12 lenders match · gross LTV 62.5% (first charge)
| Lender | Rate from | Arrangement fee | Interest over 12 months* |
|---|---|---|---|
| Ortus Secured FinanceOrtus, Sep 2026 | 0.499% pm | On applicationFees case by case | £30,776 |
| Octopus Real EstateOctopus Capital, Sep 2026 | 0.55% pm | On applicationFees case by case | £34,017 |
| Precise MortgagesPrecise product guide, Sep 2026 | 0.61% pm | £10,0002% facility fee | £37,853 |
| Maslow CapitalMaslow criteria, 2026 | 0.65% pm | £7,500Arrangement fee c. 1.5% – 2% | £40,425 |
| Allica BankAllica product guide, Sep 2026 | 0.69% pm | £10,0002% arrangement fee; valuation and legals | £43,008 |
| Funding 365Funding 365 product pages, Sep 2026 | 0.69% pm | £10,0002% arrangement fee; no exit fee | £43,008 |
| Recognise BankRecognise Bank, 2026 | 0.7% pm | On applicationFees case by case | £43,655 |
| TogetherTogether, Sep 2026 | 0.73% pm | £10,000c. 2% arrangement fee | £45,602 |
| LendInvestLendInvest product guide, May 2026 | 0.74% pm | £10,0002% arrangement fee | £46,252 |
| Shawbrook BankShawbrook, 2026 | 0.74% pm | On applicationFees case by case | £46,252 |
| Hampshire Trust BankHTB rate card, Mar 2026 | 0.75% pm | £10,0002% arrangement fee; minimum 3 months interest | £46,903 |
| Bluecroft FinanceBluecroft criteria, Sep 2026 | 1% pm | On applicationFees case by case; no early-redemption charges | £63,413 |
*Indicative only: lowest published rates from each lender's guide, with interest assumed to compound monthly on a rolled-up loan. The exact calculation differs from lender to lender — some compound daily, apply interest differently by product, or price retained interest separately — so actual interest and totals may be lower or higher. Any existing debt entered is repaid from the loan. Actual pricing depends on security, exit and credit profile; valuation, legal and exit costs are excluded. Not a quote or recommendation. See every lender's full rates, fees and terms.
Send these details to a specialist — we'll confirm realistic lenders and pricing within one working day.
Enquire with these detailsWhy clients choose us
Only lenders whose loan size, LTV and term limits fit your case are shown.
Arrangement fees are costed alongside interest over your term.
Many of these lenders accept business only through a broker.
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
Enter the property security value, any existing mortgage debt, your loan amount and term, and choose main residence (regulated) or investment (unregulated). The tool filters UK bridging lenders by their published loan size, LTV and term limits, then shows each lender's lowest published monthly rate, arrangement fee and estimated interest over your term.
No. They are the lowest published 'from' rates in each lender's product guide. Your actual rate depends on the property, your exit, credit profile and the lender's underwriting.
Valuation, legal fees, exit fees, broker fees and any minimum interest period are not included in the estimated interest. A specialist will set out the full cost of credit before you commit.
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 pageEvery lender's published rates, fees, LTV, loan size and term, with sources.
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?
Send the security, the loan and your exit. A specialist will confirm the realistic lenders and pricing within one working day.