Compare Bridging Loans

Compare bridging loans to find your perfect bridging loan

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Affirmative Finance

Charges

1st, 2nd & 3rd

Term

1m - 12m

Min/Max Loan

£10k - £2.5m

LTV

60% - 70%

Monthly Interest Rate

0.95% - 1.75%

England, Wales & Scotland. Arrangement Fee 2%. Exit Fee - 1 month interest

Bridging Finance Solutions

Charges

1st

Term

1m - 12m

Min/Max Loan

£25k - £3m

LTV

70%

Monthly Interest Rate

0.75% - 1.5%

England, Wales & Northern Ireland. Arrangement Fee 1%. No Exit Fee.

Goldentree Financial Services

Charges

1st

Term

6m - 12m

Min/Max Loan

£100k - £5m

LTV

70%

Monthly Interest Rate

0.99% - 1.5%

Lending in England, Scotland & Wales. Arrangement Fee 2%. Exit Fee 1%

Greenfield Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£75k - £5m

LTV

70%

Monthly Interest Rate

0.65% - 0.95%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Kleinwort Hambros

Charges

1st

Term

1m - 12m

Min/Max Loan

£1m - £50m

LTV

50% - 65%

Monthly Interest Rate

0.3% - 0.36%

Lending in England Only. Arrangement Fee 1.5%. No Exit Fee

Masthaven Bank

Charges

1st & 2nd

Term

1m - 12m

Min/Max Loan

£100k - £5m

LTV

65% - 70%

Monthly Interest Rate

0.58% - 0.98%

Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

Octopus Property

Charges

1st & 2nd

Term

1m - 12m

Min/Max Loan

£150k - £50m

LTV

65%

Monthly Interest Rate

0.6% - 1%

England, Wales & Scotland. Arrangement Fee 2% (1st), 2.5% (2nd). No Exit Fee

Precise Mortgages

Charges

1st & 2nd

Term

1m - 12m

Min/Max Loan

£25k - £50m

LTV

70% - 75%

Monthly Interest Rate

0.49% - 0.9%

Via Broker Only. Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

Affirmative Finance

Charges

1st, 2nd & 3rd

Term

1m - 12m

Min/Max Loan

£10k - £2.5m

LTV

60% - 70%

Monthly Interest Rate

0.95% - 1.75%

England, Wales & Scotland. Arrangement Fee 2%. Exit Fee - 1 month interest

Aspen Bridging

Charges

1st & 2nd

Term

6m - 18m

Min/Max Loan

£100k - £1m

LTV

70% -80%

Monthly Interest Rate

0.59% - 0.75%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1 Months Interest

Avamore Capital

Charges

1st

Term

3m - 12m

Min/Max Loan

£250k - £5m

LTV

70%

Monthly Interest Rate

0.59% - 0.85%

Lending in England (Southern, Eastern & Central). Arrangement Fee 2%. Exit Fee 1%

Barton Bridging Capital

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£100k - £10m

LTV

70% - 75%

Monthly Interest Rate

1.5% - 2%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 2%

Bishopsgate Funding

Charges

1st

Term

3m - 18m

Min/Max Loan

£50k - £750k

LTV

60%

Monthly Interest Rate

1.1% - 1.35%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1.25%

Bridge Invest

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£100k - £5m

LTV

70% - 75%

Monthly Interest Rate

0.75% - 1.5%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Bridging Finance Solutions

Charges

1st

Term

1m - 12m

Min/Max Loan

£25k - £3m

LTV

70%

Monthly Interest Rate

0.75% - 1.5%

England, Wales & Northern Ireland. Arrangement Fee 1%. No Exit Fee.

Charterbank Capital

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£30k - £350k

LTV

60% - 65%

Monthly Interest Rate

1.39% - 2.5%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Commercial Acceptances

Charges

1st

Term

1m - 12m

Min/Max Loan

£50k - £10m

LTV

70%

Monthly Interest Rate

0.75% - 1.25%

Lending in England Only. No Arrangement Fee. No Exit Fee

Devon and Cornwall Securities

Charges

1st & 2nd

Term

1m - Open

Min/Max Loan

£26k - £2m

LTV

55% - 65%

Monthly Interest Rate

0.9% - 2%

Lending in England & Wales. Arrangement Fee 2.5%. Exit Fee - 3 months interest

Fiduciam

Charges

1st

Term

6m - 36m

Min/Max Loan

£250k - £25m

LTV

70%

Monthly Interest Rate

0.65% - 1.3%

Lending in England, Wales & Northern Ireland. Arrangement Fee 2%. No Exit Fee

Funding 365

Charges

1st

Term

3m - 18m

Min/Max Loan

£100k - £10m

LTV

75%

Monthly Interest Rate

0.65% - 1.15%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Glenhawk

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£300k - £3m

LTV

70%

Monthly Interest Rate

0.5% - 0.9%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Goldentree Financial Services

Charges

1st

Term

3m - 12m

Min/Max Loan

£100k - £5m

LTV

70%

Monthly Interest Rate

0.99% - 1.5%

Lending in England, Scotland & Wales. Arrangement Fee 2%. Exit Fee 1%

Greenfield Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£75k - £5m

LTV

70%

Monthly Interest Rate

0.65% - 0.95%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1%

Helmsley Group

Charges

1st

Term

4m - 24m

Min/Max Loan

£250k - £2m

LTV

60%

Monthly Interest Rate

1% - 1.5%

Lending in England & Wales. Arrangement Fee 3%. No Exit Fee.

Henley Finance

Charges

1st & 2nd

Term

1m - 12m

Min/Max Loan

£100k - £1m

LTV

70%

Monthly Interest Rate

1.5% - 2%

Lending in London & surrounding areas only. Arrangement Fee 2%

Holme Finance Bridging Solutions

Charges

1st, 2nd & 3rd

Term

3m - 12m

Min/Max Loan

£5k - £250k

LTV

50% - 65%

Monthly Interest Rate

0.95% - 2%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Hope Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£100k - £5m

LTV

75%

Monthly Interest Rate

1% -2%

Lending in England, Scotland & Wales. Arrangement Fee 2%. Exit Fee 2%

Kleinwort Hambros

Charges

1st

Term

1m - 24m

Min/Max Loan

£1m - £50m

LTV

50% - 65%

Monthly Interest Rate

0.3% - 0.36%

Lending in England Only. Arrangement Fee 1.5%. No Exit Fee

London Credit

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£100k - £3.5m

LTV

65% - 70%

Monthly Interest Rate

0.75% - 1.20%

Lending in England Only (Greater London & Metropolitan Cities). Arrangement Fee 2%. No Exit Fee

Market Financial Solutions

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£200k - £10m

LTV

70% - 80%

Monthly Interest Rate

0.65% - 1.05%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee.

Masthaven Bank

Charges

1st & 2nd

Term

1m - 18m

Min/Max Loan

£100k - £5m

LTV

65% - 75%

Monthly Interest Rate

0.58% - 0.98%

Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

MT Finance

Charges

1st & 2nd

Term

3m - 24m

Min/Max Loan

£100k - £10m

LTV

70%

Monthly Interest Rate

0.75% - 0.99%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Oblix Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£50k - £5m

LTV

75%

Monthly Interest Rate

0.65% - 0.9%

England, Wales & Scotland. Arrangement Fee 2%. No Exit Fee.

Octopus Property

Charges

1st & 2nd

Term

1m - 23m

Min/Max Loan

£150k - £50m

LTV

65% - 70%

Monthly Interest Rate

0.6% - 1%

England only (case by case basis for other areas). Arrangement Fee 2% (1st), 2.5% (2nd). No Exit Fee

Ortus Secured Finance

Charges

1st & 2nd

Term

3m - 36m

Min/Max Loan

£100k - £25m

LTV

65% - 70%

Monthly Interest Rate

0.65% - 1.1%

Lending in England, Scotland, Wales, Northern Ireland. Arrangement Fee 2%. No Exit Fee

Pivot

Charges

1st & 2nd

Term

3m - 15m

Min/Max Loan

£150k - £5m

LTV

70% - 75%

Monthly Interest Rate

0.74% - 0.89%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee.

Precise Mortgages

Charges

1st & 2nd

Term

1m - 18m

Min/Max Loan

£25k - £50m

LTV

70% - 75%

Monthly Interest Rate

0.49% - 0.9%

Via Broker Only. Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

Roma Finance

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£30k - £1m

LTV

65% - 75%

Monthly Interest Rate

0.44% - 1.2%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Seneca Bridging

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£50k - £2m

LTV

65% - 80%

Monthly Interest Rate

0.9% - 2%

Lending in England, Scotland & Wales. Arrangement Fee 1%. Exit Fee 1%

UK Agricultural Finance

Charges

1st

Term

12m - 84m

Min/Max Loan

£100k- £10m

LTV

65%

Monthly Interest Rate

0.54% - 1%

Lending in England, Wales & Scotland. Arrangement Fee 4%. Exit Fee 2%

Affirmative Finance

Charges

1st, 2nd & 3rd

Term

1m - 12m

Min/Max Loan

£10k - £2.5m

LTV

60% - 70%

Monthly Interest Rate

0.95% - 1.75%

England, Wales & Scotland. Arrangement Fee 2%. Exit Fee - 1 month interest

Aspen Bridging

Charges

1st & 2nd

Term

6m - 18m

Min/Max Loan

£100k - £1m

LTV

65% - 70%

Monthly Interest Rate

0.65% - 0.75%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1 Months Interest

Avamore Capital

Charges

1st

Term

3m - 12m

Min/Max Loan

£250k - £5m

LTV

65%

Monthly Interest Rate

0.59% - 0.85%

Lending in England (Southern, Eastern & Central). Arrangement Fee 2%. Exit Fee 1%

Barton Bridging Capital

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£100k - £10m

LTV

70% - 75%

Monthly Interest Rate

1.5% - 2%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 2%

Bishopsgate Funding

Charges

1st

Term

3m - 12m

Min/Max Loan

£50k - £300k

LTV

50%

Monthly Interest Rate

1.25% - 1.5%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1.25%

BloomSmith

Charges

VAT

Term

1m - 4m

Min/Max Loan

£100k - £5m

LTV

100% VAT

Monthly Interest Rate

0.75%

Lending in England, Scotland, Northern Ireland & Wales. Arrangement Fee 1%. No Exit Fee

Bridge Invest

Charges

1st

Term

3m - 12m

Min/Max Loan

£100k - £5m

LTV

65%

Monthly Interest Rate

0.75% - 1.5%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Bridging Finance Solutions

Charges

1st

Term

1m - 12m

Min/Max Loan

£25k - £3m

LTV

70%

Monthly Interest Rate

0.75% - 1.5%

England & Wales. Arrangement Fee 1%. No Exit Fee.

Bridging VAT

Charges

VAT

Term

1m - 3m

Min/Max Loan

£50k - £5m

LTV

100% VAT

Monthly Interest Rate

1.67%

Lending in England, Soctland & Wales. Arrangement Fee 1%-5%. No Exit Fee

Charterbank Capital

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£30k - £350k

LTV

60% - 65%

Monthly Interest Rate

1.39% - 2.5%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Commercial Acceptances

Charges

1st

Term

1m - 12m

Min/Max Loan

£50k - £10m

LTV

65%

Monthly Interest Rate

0.75% - 1.25%

Lending in England Only. No Arrangement Fee. No Exit Fee

Devon and Cornwall Securities

Charges

1st & 2nd

Term

1m - Open

Min/Max Loan

£26k - £2m

LTV

55% - 65%

Monthly Interest Rate

0.9% - 2%

Lending in England & Wales. Arrangement Fee 2.5%. Exit Fee - 3 months interest

Fiduciam

Charges

1st

Term

6m - 36m

Min/Max Loan

£250k - £25m

LTV

60%

Monthly Interest Rate

0.8% - 1.3%

Lending in England, Wales & Northern Ireland. Arrangement Fee 2%. No Exit Fee

Funding 365

Charges

1st

Term

3m - 18m

Min/Max Loan

£100k - £10m

LTV

75%

Monthly Interest Rate

0.75% - 1.15%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Glenhawk

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£300k - £3m

LTV

70% - 75%

Monthly Interest Rate

0.75% - 1%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Goldentree Financial Services

Charges

1st

Term

3m - 12m

Min/Max Loan

£100k - £5m

LTV

70%

Monthly Interest Rate

0.99% - 1.5%

Lending in England, Scotland & Wales. Arrangement Fee 2%. Exit Fee 1%

Greenfield Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£75k - £5m

LTV

65%

Monthly Interest Rate

1.15% - 1.25%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1 Months Interest

Holme Finance Bridging Solutions

Charges

1st, 2nd & 3rd

Term

3m - 12m

Min/Max Loan

£5k - £250k

LTV

50% - 55%

Monthly Interest Rate

1.1% - 2%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Hope Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£100k - £5m

LTV

65%

Monthly Interest Rate

1% - 2%

Lending in England, Scotland & Wales. Arrangement Fee 2%. Exit Fee 2%

Kuflink

Charges

1st & 2nd

Term

1m - 24m

Min/Max Loan

£50k - £1m

LTV

70%-75%

Monthly Interest Rate

0.75%

Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

London Credit

Charges

1st

Term

3m - 18m

Min/Max Loan

£100k - £3.5m

LTV

65%

Monthly Interest Rate

1.10%

Lending in England Only (Greater London & Metropolitan Cities). Arrangement Fee 2%. No Exit Fee

Market Financial Solutions

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£200k - £10m

LTV

70% - 80%

Monthly Interest Rate

0.89% - 1.05%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee.

Masthaven Bank

Charges

1st

Term

1m - 18m

Min/Max Loan

£100k - £5m

LTV

60%

Monthly Interest Rate

0.99% - 1.1%

Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

MT Finance

Charges

1st

Term

3m - 24m

Min/Max Loan

£100k - £10m

LTV

65%

Monthly Interest Rate

0.85% - 0.95%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Oblix Capital

Charges

1st

Term

1m - 12m

Min/Max Loan

£50k - £5m

LTV

70%

Monthly Interest Rate

0.65% - 1.15%

England, Wales & Scotland. Arrangement Fee 2%. No Exit Fee.

Octopus Property

Charges

1st & 2nd

Term

1m - 24m

Min/Max Loan

£750k - £50m

LTV

65% - 70%

Monthly Interest Rate

0.75% - 1.2%

England & Scotland. Arrangement Fee 2% (1st), 2.5% (2nd). No Exit Fee

Ortus Secured Finance

Charges

1st & 2nd

Term

3m - 36m

Min/Max Loan

£100k - £25m

LTV

65% - 70%

Monthly Interest Rate

0.65% - 1.1%

Lending in England, Scotland, Wales, Northern Ireland. Arrangement Fee 2%. No Exit Fee

Pivot

Charges

1st

Term

3m - 15m

Min/Max Loan

£150k - £5m

LTV

65%

Monthly Interest Rate

0.84%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee.

Roma Finance

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£30k - £1m

LTV

65% - 75%

Monthly Interest Rate

0.44% - 1.2%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Seneca Bridging

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£50k - £2m

LTV

65% - 80%

Monthly Interest Rate

0.9% - 2%

Lending in England, Scotland & Wales. Arrangement Fee 1%. Exit Fee 1%

UK Agricultural Finance

Charges

1st

Term

12m - 84m

Min/Max Loan

£100k- £10m

LTV

65%

Monthly Interest Rate

0.54% - 1%

Lending in England, Wales & Scotland. Arrangement Fee 4%. Exit Fee 2%

VATBRIDGE

Charges

VAT

Term

1m- 3m

Min/Max Loan

£50k - £5m

LTV

100% VAT

Monthly Interest Rate

1.67%

Lending in England, Scotland & Wales. Arrangement Fee 1%-5%. No Exit Fee

Affirmative Finance

Charges

1st, 2nd & 3rd

Term

1m - 12m

Min/Max Loan

£10k - £2.5m

GDV

60% - 70%

Monthly Interest Rate

0.95% - 1.75%

England, Wales & Scotland. Arrangement Fee 2% . Exit Fee - 1 month interest

Avamore Capital

Charges

1st

Term

3m - 12m

Min/Max Loan

£500k - £7m

GDV

70%

Monthly Interest Rate

0.65% - 0.79%

Lending in England (Southern, Eastern & Central). Arrangement Fee 2%. Exit Fee 1%

Bishopsgate Funding

Charges

1st

Term

3m - 18m

Min/Max Loan

£50k - £750k

GDV

60%

Monthly Interest Rate

1.1% - 1.35%

Lending in England & Wales. Arrangement Fee 2%. Exit Fee 1.25%

Bridging Finance Solutions

Charges

1st

Term

1m - 24m

Min/Max Loan

£25k - £3m

GDV

70%

Monthly Interest Rate

0.75% - 1.5%

England & Wales. Arrangement Fee 1%. No Exit Fee.

Charterbank Capital

Charges

1st

Term

3m - 12m

Min/Max Loan

£30k - £350k

GDV

100%

Monthly Interest Rate

1.39% - 1.75%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Commercial Acceptances

Charges

1st

Term

1m - 24m

Min/Max Loan

£250k - £10m

GDV

60%

Monthly Interest Rate

0.5% - 0.58%

Lending in England Only. Arrangement Fee 1%. Exit Fee 2%

Fiduciam

Charges

1st

Term

6m - 36m

Min/Max Loan

£250k - £25m

GDV

65%

Monthly Interest Rate

0.9% - 1.3%

Lending in England, Wales & Northern Ireland. Arrangement Fee 2%. No Exit Fee

Glenhawk

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£300k - £3m

GDV

70%

Monthly Interest Rate

0.75% - 1%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Goldentree Financial Services

Charges

1st

Term

3m - 18m

Min/Max Loan

£100k - £5m

GDV

65%

Monthly Interest Rate

0.99% - 1.5%

Lending in England, Scotland & Wales. Arrangement Fee 2%. Exit Fee 1%

Helmsley Group

Charges

1st

Term

4m - 24m

Min/Max Loan

£250k - £2m

GDV

60%

Monthly Interest Rate

1% - 1.5%

Lending in England & Wales. Arrangement Fee 3%. No Exit Fee.

Kuflink

Charges

1st

Term

1m - 24m

Min/Max Loan

£50k - £2m

GDV

70%

Monthly Interest Rate

0.75%

Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee 1%

Masthaven Bank

Charges

1st

Term

1m - 18m

Min/Max Loan

£150k - £3m

GDV

65%

Monthly Interest Rate

0.78% - 1.15%

Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

Oblix Capital

Charges

1st

Term

3m - 24m

Min/Max Loan

£200k - £5m

GDV

70%

Monthly Interest Rate

0.9% - 1%

England & Wales. Arrangement Fee 2%. Exit Fee 1%

Octopus Property

Charges

1st

Term

1m - 36m

Min/Max Loan

£250k - £30m

GDV

70%

Monthly Interest Rate

0.54% - 0.83%

England & Scotland (Edinburgh & Glasgow only). Arrangement Fee 2%, Exit Fee 1.5%

Pivot

Charges

1st

Term

3m - 18m

Min/Max Loan

£250k - £2m

GDV

65%

Monthly Interest Rate

0.99%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee.

Precise Mortgages

Charges

1st & 2nd

Term

1m - 18m

Min/Max Loan

£25k - £50m

GDV

70% - 75%

Monthly Interest Rate

0.49% - 0.9%

Via Broker Only. Lending in England, Scotland & Wales. Arrangement Fee 2%. No Exit Fee

Roma Finance

Charges

1st & 2nd

Term

3m - 12m

Min/Max Loan

£30k - £1m

GDV

65% - 75%

Monthly Interest Rate

0.44% - 1.2%

Lending in England & Wales. Arrangement Fee 2%. No Exit Fee

Seneca Bridging

Charges

1st & 2nd

Term

3m - 18m

Min/Max Loan

£50k - £2m

GDV

65% - 80%

Monthly Interest Rate

0.9% - 2%

Lending in England, Scotland & Wales. Arrangement Fee 1%. Exit Fee 1%

UK Agricultural Finance

Charges

1st

Term

12m - 84m

Min/Max Loan

£100k- £10m

GDV

65%

Monthly Interest Rate

0.54% - 1%

Lending in England, Wales & Scotland. Arrangement Fee 4%. Exit Fee 2%

How To Get The Right Bridging Loan?

We can compare the bridging loan market for you based on the information below:

  • How much you want to borrow: Lenders currently offer loans starting at £5,000 up to £50 million.
  • How much your property or security is worth: This affects how much you can borrow and the cost of your loan.
  • How long you need to borrow money for: Bridging loans can last from 1 month to 2 years. If you have a set end date you can look at closed bridging loans otherwise you may need an open bridging loan which tends to be more expensive.
  • If you have a mortgage on your property: This affects how much you can borrow and whether you can look at 1st charge or 2nd charge loans. 1st charge loans are only an option if you have no outstanding borrowing attached to your property.

These details will help in discussing your bridging loan with potential lenders - most of which do not offer bridging loans directly to the public.

Interest Rates on Bridging Loans?

Bridging loans charge monthly interest rates as they tend to be a short term solution, so a small difference in the bridging loan rate can have a big impact on the overall cost of the loan.

The way interest is charged can vary in one of three main ways:

  • Monthly: you pay the interest each month and it is not added to your loan, therefore the loan amount does not increase
  • Deferred or rolled up: you pay all the interest at the end of the term
  • Retained: you borrow the interest for a set period and pay at the end of the loan

Bridging Loan Fees?

Bridging companies generally charge additional fees on top of an arranged interest rate. All fees are disclosed from the outset of your bridging loan application. These include:

  • Lender Arrangement Fee: Lenders can charge up to 2% as an arrangement fee to cover the costs of involved in preparing the loan
  • Solicitor's Costs: This can vary depending on the complexity of the bridging loan you require
  • Broker Fees:Typically a bridging company will add a broker fee of 1% to the loan to remunerate the finance broker for introducing the case to the lender. Brokers may also charge a fee of up to 2% directly to you depending on the size of the loan and its complexity
National Association of Commercial Finance Brokers Association of Short Term Lenders Association of Bridging Professionals

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