Bridging loan calculator

Make NO monthly payments with a retained interest bridging loan, the interest is paid at the end of the term when the loan is redeemed. There are NO early repayment penalties, & if you redeem early any remaining interest is refunded.

No up-front fees
No ERCs or exit fees
Immediate decisions
No monthly payments
FREE valuations  available
FREE valuations
No obligation quote
✓   Immediate decisions
✓   FREE valuations
✓   No up-front fees
✓   No monthly payments
✓   No obligation quote

Best 2022 Bridging rates available for all purposes ...   

Chain breaking

Purchase before sale

Refurbishments

Re-bridging etc ...

Development finance

Open-ended bridging

for all property types ...

Best 2022 Bridging rates available for all purposes ...   

Chain breaking

Purchase before sale

Refurbishments

Re-bridging etc ...

Development finance

Open-ended bridging

for all property types ...

bridging loan calculator

Make NO monthly payments with a retained interest bridging loan. The interest is paid at the end of the term when the loan is redeemed. There are NO early repayment penalties, & if you redeem early any remaining interest is refunded.

Make NO monthly payments with a retained interest bridging loan

LOW rates from only 0.41% pm

Latest rates for August 2022

Calculate your costs here


 

Your requirements

Net loan required
Loan term
Security value
Outstanding mortgage
 
Interest Rate
i
  • up to 50% LTV ... rates start from 0.39%
  • up to 60% LTV ... rates start from 0.53%
  • up to 65% LTV ... rates start from 0.59%
  • up to 70% LTV ... rates start from 0.69%
  • up to 75% LTV ... rates start from 0.75%
Lender fee (1-2%)
 

EquityOne Finance Ltd is FCA authorised to provide advice on regulated mortgage & bridging loan contracts.

Please note that the results of this bridging loan calculator do not constitute a quotation

Loan results

Net loan

Lender fee

Total interest

 
Gross loan

Loan to value (LTV)

 

 

Valuation fee: Desktop property valuations are available free of charge, however a valuation fee may be payable depending on the nature of the property.

Desktop property valuations are available free of charge

However a valuation fee may be payable depending on the nature of the property.

 

 

Notes:

LTV (loan-to-value) - is calculated from the gross loan amount plus any outstanding mortgages divided by the total security value.

Early redemption - there are no early redemption penalties. If you are able to redeem your bridging loan before the end of its term you will only incur interest up to the point you redeem.

EquityOne Finance Ltd is FCA authorised to provide advice on regulated mortgage & bridging loan contracts.

Please note that the results of this bridging loan calculator do not constitute a quotation

Month Initial loan Interest rate Monthly interest Cumulative interest

Bridging loan calculator notes:


The results produced by this bridging loan calculator are intended only to provide a guide to the costs associated with this type of short-term lending. The interest can be paid monthly (on a serviced basis), or can be rolled-up or retained with no monthly instalments required during the loan term.

Our bridging loan calculator displays results on the basis of rolled-up interest, and allows for compounding; many other calculators don’t do this. For example, on a loan of £100,000 for 12 months at a monthly interest rate of 0.5% pcm, the total interest incurred would be £6,169. Some other calculators display the result on the basis of a simple interest calculation as £6,000, which is generally not accurate for bridging loans. To see how the figures are calculated click the ...   BRIDGING LOAN EXAMPLE  >

BRIDGING LOAN EXAMPLE

Interest options explained

There are broadly 3 methods of paying the interest on a bridging loan, defined as follows:

1. Rolled-up interest - There are NO monthly payments to make with a rolled-up interest bridging loan. The interest is ‘rolled up’ and paid as a lump sum at the end of the loan term. With rolled-up interest the lender does not charge interest on the interest already added to the loan.

2. Retained interest - Again there are NO monthly payments to make with a retained interest bridging loan. The interest is added to the loan and paid at the end of the term when the loan is paid back. Where retained interest differs to rolled-up interest is that the lender charges interest on the interest already added to the loan, which is considered to be controversial as this is effectively a double whammy.

3. Serviced interest - Making monthly interest payments is referred to as a serviced bridging loan. The interest payments are calculated form the gross loan amount which includes the lender's facility fee, which is usually 2%.

In most cases there are no early repayment penalities. For example if your loan term is 12 months, but you redeem the loan after 4 months you will only incur 4 months worth of interest.

The large majority of bridging loans are taken out on a rolled-up or retained interest basis. Our bridging loan calculator displays results on the basis of rolled-up interest.

Loan-to-value & Interest rates

Interest rates will vary depending on the loan to value (LTV) percentage. The mamximum LTV is generally 75% but can be increased if additional security is provided.

Interest rates start from 0.39% pm (0.20% for HNW clients), and are dependant on a number of factors such as the loan to value. For instance lower LTV's will attract lower interest rates. Other factors effecting the interest rates can also include the property location, and property type (residential, commercial, semi-commercial, land, etc.)

    First charge lending

  • up to 50% LTV rates start from 0.39%
  • up to 60% LTV rates start from 0.53%
  • up to 65% LTV rates start from 0.59%
  • up to 70% LTV rates start from 0.69%
  • up to 75% LTV rates start from 0.75%

    Second charge lending

  • up to 50% LTV rates start from 0.69%
  • up to 60% LTV rates start from 0.74%
  • up to 65% LTV rates start from 0.79%
  • up to 70% LTV rates start from 0.84%

With rolled-up and retained interest bridging loans the loan plus any interest cannot exceed the lender’s maximum LTV criteria.

Loan-to-value is calculated from your loan requirement plus any current outstanding borrowings as a percentage of the total security value. Typically, overall loan to value should not exceed 75%, however this can be increased with additional security.

Bridging loan fees

There are generally no up-front fees to pay for your bridging loan.

Once a bridging loan has been approved for you and you have accepted the terms offered, you will be required to pay a valuation fee in order to proceed with the loan. Legal fees will follow, and administration fees are usually added to the loan amount.

Getting a bridging loan quote

Each bridging loan application is dealt with on a case by case basis.

To provide an accurate bridging loan quotation EquityOne Finance Ltd will require the applicant to provide all the necessary detail to ensure qualifying criteria, and to be able to provide a detailed terms of all costs, fees, and interest rates payable by the borrower. Please note that fees such as valuation, admin, and legal fees can differ between alternative lending sources.

If you wish to apply for a decision in principle, click the link below.

Apply for DIP

There are no upfront fees, & you are under no obligation to proceed.

All information provided is safe & secure

 ICO Data Protection no: ZA048393

How long does a bridging loan take?

A typical turn-around time for a bridging loan would be 7-10 days.

This does however vary depending on the nature and complexity of the case. A decision in principle can usually be provided quickly within a couple of hours.

Residential bridging

First & second charge bridging for all residential property

Interest rates available from 0.41% pcm

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For straightforward Bridging Loans, this market-leading bridging product offers a very competitively priced and flexible option, starting at 0.41% pm for FCA regulated and non-regulated bridging loans.

Min loan:£50,000
Max loan:£ no max
Interest rate:from 0.41%
Max LTV:75% (100% with additional security)
Security:First & second charges
Term:1 - 36 months
Tenure:Freehold, or leasehold with 50+ years
Facility fee:0.5% - 2% on completion
ERC / Exit fee:not usually required
Monthly payments:None required (interest is rolled into the loan)
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • Regulated & non-regulated loans
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Light refurbishment

Fast, reliable funding for light refurbishment projects

Interest rates available from 0.41% pcm

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This light-refurbishment bridging loan product accommodates refurbishments where no planning permission is required, and there is no overall change to the structure resulting in an increased footprint of the property. Also available where works are being completed under Permitted Development Rights. FCA regulated and non-regulated bridging loans.

Min loan size:£50,000
Max loan size:£ no max
Interest rate:from 0.41% pcm
Max LTV:LTV up to 75%
Security:First / second charge
Term:1 - 36 months
Tenure:Freehold, or leasehold with 50+ years
Facility fee:0.5% - 2% on completion
ERC / Exit fees:not usually required
Monthly payments:None required (interest is rolled into the loan)
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • Regulated & non-regulated loans
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Heavy refurbishment

Fast, reliable funding from a wide range of heavy refurbishment bridging loans

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Interest rates available from 0.59% pcm

Our heavy refurbishment Bridging loans offer competitive rates many types of project where structural reconfigurations are required such as extensions to existing properties where planning permission is required. FCA regulated and non-regulated bridging loans.

Min loan:£50,000
Max loan:£50 million
Interest rate:from 0.59%
Max LTV:75% net & 100% of build cost
Security:First charge
Term:1 - 18 months
Tenure:Freehold, or leasehold with 50+ years
Facility fee:0.5% - 2% on completion
ERC / Exit fees:not usually required
Monthly payments:None required (interest is rolled into the loan)
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • Regulated & non-regulated loans
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Commercial bridging

Fast & reliable bridging loans for commercial property

Interest rates available from 0.55% pcm

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This commercial bridging finance is designed for the purchase or remortgage of commercial and semi-commercial property including shops and offices, until long-term finance can be arranged, and is available on a first and second charge basis.

Min loan:£50,000
Max loan:£50 million
Interest rate:from 0.55%
Max LTV:75% (100% with additional security)
Security:First / second charge
Term:1 - 36 months
Tenure:Freehold, or leasehold with 50+ years
Facility fee:0.5 - 2% on completion
ERC / Exit fees:not usually required
Monthly payments:None required (interest is rolled into the loan)
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • All types of commercial property
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Bridging loans on land

Fast & reliable funding available for land purchases or refinance

Interest rates available from 0.75% pcm

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Our bridging loans for land have been designed to be fast and flexible, with competitive rates to suit most land transactions, including land with or without planning permission.

Min loan:£50,000
Max loan:£100 million
Interest rate:from 0.63%
Max LTV:70% (with planning) / 65% (without planning)
Security:First / second charge
Term:1 - 12 months, open-ended loans available
Tenure:Freehold
Facility fee:0.5% - 2% on completion
ERC / Exit fees:not usually required
Guarantees:Loans with no personal guarantees are available
Monthly payments:None required (interest is rolled into the loan)
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • Regulated & non-regulated loans
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Premier bridging

First charge bridging finance for high net worth clients

Interest rates available from 0.21% pcm

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Full range of mortgage and short-term bridging loans for all applicants over 18 years of age regardless of residential status. Borrowers over 70 years of age can also be considered. Loans are secured against UK property, and other asset types can also be taken into consideration including investments, guarantees, or land etc. FCA regulated and non-regulated bridging loans.

Min loan:£500,000
Max loan:£ no max
Interest rate:from 0.21%
Max LTV:60% (100% with additional security)
Security:First charge
Term:1 - 36 months
Tenure:Freehold or Leasehold
Facility fee:1% on completion
ERC / Exit fee:not usually required
Monthly payments:Serviced or rolled-up
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • Regulated & non-regulated loans
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Development finance

Fast, reliable funding for a wide range of development projects

Interest rates available from 0.33% pcm

scroll for more info

These development finance solutions have been designed to be fast and flexible, with competitive rates to suit a wide range of property developments, large or small. Planning gain finance is available enabling property professionals to secure developments which have not yet received the planning permission, helping to fund asset acquisitions, planning surveys and applications costs in arrears.

Min loan :£150,000
Max loan:£100 million
Interest rate:0.33%
Max LTV:70% of GDV and 100% of build cost
Security:First charge
Term:12 - 36 months
Tenure:Freehold
Facility fee:0.5% - 2% on completion
ERC / Exit fees:not usually required
Monthly payments:None required (interest is rolled into the loan)
Locations:England, Scotland, & Wales
  • Latest rates at August 2022
  • Regulated & non-regulated loans
  • Dual legal representation available
  • Re-bridging / re-finance available

⮞   Desktop valuations, now FREE!

You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...

  • The property value does not exceed £2,000,000
  • The overall LTV does not exceed 70%
  • The valuation achieves an acceptable 'confidence level'

When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...

  • Properties of non-standard construction
  • Properties with short leases (under 85 yrs)
  • Houses of multiple occupation (HMOs)
  • Multi-unit properties / flats or apartments / listed buildings
  • New build property or recently converted properties
  • Properties with significant land (2+ acres)
  • Properties adjacent to or above commercial premises
  • Property with significant renovation / refurbishment works

⮞   Individual applicant criteria

Applications can be accepted for who meet the following criteria:

  • Minimum age: 18
  • Maximum age: No maximum age limit
  • Maximum applicants: 4
  • Residential status: UK citizens, Non-doms, Ex-pats, & foreign nationals accepted
  • Non EEA Nationals: Accepted subject to establishing status
  • Applicants with diplomatic immunity: On referral
  • Trusts & executors: Funding available depending on structure

Lending outside of these limits can be considered subject to underwriter review, please contact us for further details

⮞   Company application criteria

Applications can be accepted for companies meeting the following criteria:

  • Company applications are for non-regulated bridging loans
  • Registered limited companies including SPVs are accepted
  • Available for UK property using offshore companies such as BVI companies

Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.

Buy-to-let mortgages

Borrow £150,000 - £15m at fixed rates  from 4.69% pa

Competitive stress-free buy-to-let mortgages at up to 75% LTV with no stress testing. Fixed rates available for 2,3, or 5 year terms.

Interest coverage ratio (ICR) busting loan terms with rental income to cover 100% of pay rate. Funding is available for all structures, from individuals to limited and offshore companies, partnerships and trusts. Foreign nationals, first-time landlords, expats, and all credit profiles considered.

This range of buy-to-let mortgages is available throughout England. Please contact us for details on BTL mortgages available in other areas of the UK.

Key features
Product 1 2 3 4 5
Min loan £150,000
Max loan £15,000,000
ICR No stress test: only 100% of pay rate (rate less deferred Interest)
Max LTV 75% 70% 65%
Rate 5.69% pa 5.99% pa 6.39% pa 6.99% pa 7.39% pa
Deferred Interest Up to 1% pa on LTVs up to 70% Up to 2% pa
Pay rate 4.69% pa 4.99% pa 5.39% pa 4.99% pa 5.39% pa
Term 5 years 2 or 3 years
Fee 2.5%
ERCs 4% / 3% / 2% – final 2 years ERC free 3% / 3% / 3% – final 3 months ERC free
Top slicing No No Up to max 20%
(Retained shortfall allowed)
Interest retention 3 months will be deducted for purchases

⮞  Property criteria

Product 1 2 3 4 5
Min value £200,000
Max value £2m £3m £5m
Location England only
Mixed use No Commercial up to 25% (LTV will be restricted) Commercial up to 30% (LTV will be restricted)
HMO Up to 6 bedrooms Up to 10 bedrooms Up to 16 bedrooms Up to 24 bedrooms
MUFB 8 units max 12 units max 16 units max 30 units max
Planning Irregularity No Yes depending on severity
Ex Local Authority Flats Yes provided no balcony access & in London Yes provided no balcony access Yes
AirBNB/holiday lets No Airbnb only Yes
Flats above commercial No Yes
Works permitted to security 10% max permitted
Max exposure in a block

Less than 12 units – max 35% of block

Between 13-40 units – max 25% of block

Greater than 40 units – max 10 units of block

⮞  Borrower criteria

Product 1 2 3 4 5
Min age 21 years (at beginning of term)
Max age 69 years (at beginning of term)
Max no of applicants 4 applicants
Min Income £30,000 Not required
First-time buyer No Yes
First-time landlords Yes – max LTV 70% & max £1m loan (Must own main residence) Yes (Must own main residence) Yes
UK Individual Yes
UK Company Yes
Offshore Company No Yes (locations specified in Lending Guide)
UK UBO Yes
Ex Pat UBO Min 2 properties in UK excluding security Min 1 property in UK excluding security Yes
Foreign National UBO Must have permanent right to reside and currently reside in the UK. Min 2 properties in UK excluding security. Min 1 property in UK excluding security Yes

⮞  Borrower's credit profile

Product 1 2 3 4 5
Defaults 0 in 24 months, 1 in 36 months < £1,000 satisfied 0 in 24 months, 3 in 36 months < £5,000 satisfied 0 in 12 months, -£1,000 in 24 months < £1,000 in 24 months – if unsatisfied, must be on completion >£1,000 in 24 months
CCJs 0 in 24 months, 1 in 36 months < £1,000 satisfied 0 in 24 months, 3 in 36 months < £5,000 satisfied 0 in 12 months, < £1,000 in 24 months < £1,000 in 24 months (if unsatisfied must be on) completion >£1,000 in 24 months
Unsecured on loan balances over £500 0 in 24 months, 2 in 36 months max 3 in 24 months max 3 in 12 months >3 in 12 months
Secured Mortgage Payments 0 in 36 months 0 in 24 months, 1 max in 36 months 0 in 24 months 0 in 3 months, 6 in 24 months
IVA/CVA No Yes (provided discharged over 3 years) Yes (provided discharged over 2 years)
Bankruptcy No Yes (provided discharged over 3 years) Yes (provided discharged over 2 years)

Quick enquiry

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Financial Conduct Authority No: 733649 Privacy Notice
  • No credit checks *
  • No up-front fees
  • No obligation

* Credit checks are not required for us to provide indicative terms, however one may be performed should you wish to proceed to application.

Get your funding terms today

To obtain a credit-backed decision in principle please click below and complete our secure online DIP form today

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Fast & flexible bridging solutions from the bridging experts ! ...

Bridging finance available up to ...

£ 50 m

All types of briging & development finance available from £50,000

Loan-to-value available up to ...

80 %

100% LTV also available with additional security property

BEST RATES now from ...

0. 41 %

The very latest low bridging loan rates at  August 2022

Lowest bridging rates at August 2022

Trusted bridging solutions for all ...

✓  Independent ✓  Unbiased Independent & Unbiased ✓  FCA authorised ✓  CeMap qualified ✓  Latest products ✓  Whole of the UK

The experts, providing all types of Bridging loan ...

Providing all types of Bridging ...

All types of Bridging loan ...

   Chain-breaking / purchase before sale    Residential & commercial property    Refurbishments & conversions    Re-finance a bridging loan    Capital raising & cashflow    Inheritance, tax & probate    BTL Investment property    Development finance    All requirements considered ...

Rates from 0.21% pcm are available for high net worth clients (HNW), please call for details today ...


CeMap Qualified

Our advisors are qualified with a Certificate in Mortgage Advice and Practice


ICO Registered

We are registered with the Information Commissioner (ICO)


Members of the NACFB

Proud members of the National Association of Commercial Finance Brokers


Data compliant

Data protection compliant under General Data Protection Regulation

Authorised & regulated by the Financial Conduct Authority

Representative example

Based on an interest only regulated bridging loan of £363,729.72 for a maximum 12-month period on a fixed rate of 0.53% per month, payable at the end of the term. The total amount payable would be £395,087.47 made up of the loan amount plus interest of £24,131.83, and fees of £7,225.92. The overall cost for comparison is 8.62% APR representative.

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2022 Bridging rates available ...

Get your BEST RATE today ...

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