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Bridging Finance Specialist Can Get You the Best Deals in Bridging Finance

We can find you the perfect bridging finance option with the lowest rate because we work with the best lenders all across the market.

Bridging Finance Specialist can get you deals with interest rates from

0.44% per month – for loans under £1 million

0.29% per month – for loans over £1 million

CBILS Backed Bridging Loan Facility – All interest payments paid by the government

Bridging loan plans

Residential: Light/Medium Refurb

55% LTV


per month

65% LTV


per month

75% LTV


per month

Residential: Heavy Refurb

55% LTV


per month

65% LTV


per month

70% LTV


per month

The vast majority of our bridging loans are written on the following plans

Up to 40% LTV


per month

40% to 50% LTV


per month

50% to 65% LTV


per month

65% to 70% LTV


per month

70% to 75% LTV


per month

We calculate the Loan to Value (LTV) for these bridging loans using the Open Market Value (OMV), which are usually higher than 90 day or forced sale valuations.

Lenders Arrangement Fees

The lenders charge a fee for arranging the loan for you and usually, this is around 2% of the loan amount. This is known as the arrangement fee. However, at Bridging Finance Specialists, we can bring down the arrangement fee for certain bridging loan deals.

£75,000 to £150,000


facility fee

£150,000 to £400,000


facility fee

£400,000 to £1Million


facility fee

Above £1Million


facility fee

For the above plans the minimum loan term is 30 days, therefore should you repay the loan within the first 30 days, you will still be charged the full 30 days interest. After this initial 30 day period has ended you will only be charged interest up to the actual day that you clear your loan.

These bridging loan options have the following perks:

  • £0 exit fees
  • £0 early redemption charges
  • No default interest rates
  • £0 penalty fees
  • £0 broker fees

0.29% per month short term loan plan

  • 0.29% per month up to 60% LTV
  • Loan terms up to 24 months
  • Facility fee is 2%
  • Interest can be paid monthly or set aside
  • Loans £1 Million and above

Please be aware that the short-term loan plans have stricter underwriting criteria and it takes longer to process.

Short term loans are useful if you want a loan for more than 12 months and if you have enough time for the loan to be put in place.

Low interest rates available on bridging loans above £2 million

We have great deals with low interest rates for bridging loans above £2 million.

Commercial Bridging Rates

55% LTV


per month

65% LTV


per month

70% LTV


per month

Costs of taking a Bridging Loan

When you decide to take out a bridging loan, you will need to keep in mind the additional costs that also need to be paid. Below are few of the costs that will need to be paid:

Interest rate

In cases of bridging loans your monthly interest rates can be paid in one lump sum at the end of your loan term. This is known as ‘rolling up’ the interest rate.

Arrangement fee 

The lender’s arrangement fee (also known as the facility fee) is another cost you must be aware of. Typically, lenders will charge you around 2% of the loan amount for arranging your bridging loan. Usually the arrangement fee is added on to the loan amount.

Administration fees

Lenders may charge you an administration fee for booking your chosen bridging product. In most cases, it is added on to the loan.

Valuation fees

When you apply for a bridging loan against a property, the lender will want to conduct a valuation survey of the property to ensure that it is worth lending against.

The valuation takes place before the loan is approved and the fee for it needs to be paid up front. You will be responsible for paying the fee. Valuation fees vary from surveyor to surveyor. We can also arrange for the valuation survey on your behalf. We do not charge for this service.

Legal fees

When you take out a bridging loan, you will need solicitors to handle the legal side of your purchase. Your lender will also need you to pay the legal costs for setting up your bridging loan. You will need to budget for these fees.

Exit fee

In some cases, bridging loans can have an exit fee which is charged at the end of the term. If your bridging loan product has an exit fee, then you will need to figure this in with your costs.

Most of the bridging loan products we arrange do not come with exit fees.

Default Interest Rate

Many bridging loan products operate on the default interest basis. Simply put, if you adhere to the terms of the loan, then you pay the lower interest rate. However, if you breach any of the loan terms, ie. if your loan term runs beyond the agreed upon term, then you will pay the default interest rate, which would be considerably higher than your original interest rate.

Usually, when the loan agreement is drawn up, the default rate is what is put in and the lender agrees to charge you the reduced concessionary rate, which is the rate you get the loan at.

In case you do breach the terms of the loan, you will need to factor in the costs of the default interest rate.

Broker fees

This is one fee you don’t have to worry about because our services are completely FREE!!

Tips for getting lower interest rates on bridging loans

When you take a bridging loan, usually it is for a short period of time and the interest rates can vary widely from one lender to another and also from product to product.

However, there are several actors that affect your interest rate. We have laid out a few tips here so that you can get the lowest possible interest for the bridging loan product that you choose.

Loan to value (LTV)

Loan to Value, or LTV is the ratio of the mortgage to the value of the property, expressed as a percentage.

The lesser your outstanding mortgage, the lower will be your LTV and you will have a better chance of getting a lower interest rate. This is because the lender will view a lower LTV as a better prospect to lend against.

Lender’s Legal Charge

The type of legal charge that the lender places over the property will also determine the rate of interest. Lenders will charge less interest if they can have first charge over the property.

Second charges are considered higher risk for lenders and they will consequently charge a higher rate of interest.

A very small number of lenders will consider a third charge, which in turn will have a much higher rate of interest.

Security Property

The property that the lender will lend against is known as the security property and it acts as collateral for the bridging loan.

Security properties can be of three types: residential, semi-commercial and commercial property.

Lenders prefer residential properties as security and charge the lowest interest rates for these, compared to the other 2 types of security property.

From the lender’s point of view, commercial properties pose the highest risk, so they charge higher interest rates if a bridging loan application is made for a commercial property.

Semi-commercial properties usually have flats above shops or restaurants. They are considered less of a risk that commercial properties, but more so that residential properties. 

State of Repair of the Security Property

A lot of bridging loan providers will accept loan applications where the security property would be considered unacceptable for high street lenders.

However, the catch is that loans on these properties will incur a higher interest rate.  

Location of the security property

Location also plays an important part in determining interest rates. If the security property is in or around London, it will incur a lower interest rate, as there is more of a competition between lenders who are willing to lend. Indeed, there are many bridging loan providers who will only lend on properties in London.

Security properties farther away from London will usually be eligible for bridging loan products which have a higher rate of interest.

Affordability of the Borrower

A Lender will always assess the borrower’s income and outgoings to evaluate their ability to meet the monthly mortgage payments. This is known as the affordability check. The better the borrower’s affordability, the lower interest rates they are likely to get on a bridging loan product.

Term of the Loan

The term of the loan is the duration that the money is borrowed for and this will affect the interest rate. Most bridging lenders have a maximum term of 12 months and any loan beyond this term will charge a higher rate of interest.

Credit history of the Borrower

Bridging loan lenders like applicants who have a good credit history. Lenders will also accept borrowers with bad credit histories, County Court Judgements, credit and mortgage arrears, defaults and IVAs, but this will mean a considerably higher rate of interest on the loan.

Lender’s supply of Funds

Lender’s availability of funds will also affect the interest rates handed out to the borrowers. When the lender is has an abundance of funds, the interest rates are low and vice versa.