EquityOne Finance Ltd
0333 200 7209 ... the best choice of bridging loans from the experts

Alternative overdraft bridging

Alternative overdraft

Thre Alternative Overdraft remains available to call upon as and when needed and avoids expensive, repetitive setting-up costs.

Competitive rates available, please call us today ...

This overdraft facility is one of the latest and most innovative products providing you with liquidity on tap. It is the perfect facility to use for site acquisitions, property auction purchases or to fund work-in-progress. It is effectively an overdraft that is secured on property that can provide multiple drawdowns on demand, which can be repaid or reduced and redrawn.

Available for 2 years it provides drawdowns on demand which can be repaid or redrawn over and over again. Interest is charged on the balance outstanding and can be serviced. This also avoids expensive, repetitive setting-up costs. Secured on Investments and owner-occupied residential or commercial property:

  • Retail units and shopping centres
  • Office buildings
  • Industrial and distribution premises
  • Residential investments
  • Owner-occupied private dwellings for business purposes (second charge only)
Key featuresCurrent at May 2026
Min loan:£ 250,000
Max loan:£ 2 million
Interest rate:Rate:Please call
Max LTV: up to 70%
Security: First or Second charges
Term: 1 - 36 months
Tenure: Freehold
Facility fee: 2%
ERC / Exit fee: not usually required
Non-utilisation Fee: 0.2% pm (on undrawn balance)
Locations: England, Scotland, & Wales
  • Latest rates at May 2026
  • All residential property types
  • Regulated & non-regulated loans
  • Dual legal representation available
  • All types of borrower
  • Re-financing available

Quick Quote

  Secure form
ICO Data Protection no: ZA048393
Financial Conduct Authority No: 733649 Privacy notice
  • No credit checks
  • No up-front fees
  • No obligation

Get your funding terms today

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

Apply for DIP

Available up to ...

£ 50 m

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

Loan-to-value ...

80 %

100% LTV also available with additional security property

Rates from ...

0. 51 %

The very latest low bridging loan rates at  May 2026

Lowest bridging rates at May 2026

Trusted bridging solutions for all ...

✓  Independent ✓  Unbiased Independent & Unbiased ✓  FCA authorised ✓  CeMap qualified ✓  Latest products ✓  Competitive rates ✓  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 ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

Lowest 2026 Bridging rates available ...

Get your BEST RATE today ...

QUICK QUOTE
Fast & flexible Bridging finance from the property experts ! ...

EquityOne Finance Limited is authorised & regulated by the Financial Conduct Authority FRN: 733649

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CeMap Qualified

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

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ICO Registered

We are registered with the Information Commissioner (ICO)

We are registered with the Information Commissioner's Office (ICO)

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Members of the NACFB

Proud members of the National Association of Commercial Finance Brokers

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Data compliant

Data protection compliant under General Data Protection Regulation

Representative example

For example: Based on an interest only regulated bridging loan of £100,000 for a maximum 12-month period on a fixed rate of 0.79% per month, payable at the end of the term. The total amount payable would be £111,902 made up of the loan amount plus interest of £9,902, and fees of £2,000. The overall cost for comparison is 11.9% APR representative. Please note that this example is for illustrative purposes only and the actual terms and conditions of a bridging loan may vary depending on the lender and the individual circumstances of the borrower. It's important to carefully review all terms and conditions before agreeing to a loan.

BOE Base Rate: 3.75% at May 2026

We’ve teamed up with ClearScore Everywhere Limited, one of the UK’s leading digital marketplaces for financial products, to help you find the financial solution that you’re looking for. ClearScore acts as a Credit Broker not a Lender. If you take out or are introduced to a loan or credit card provider, ClearScore will receive payment from that lender. ClearScore will also receive payment from the lender if you take out or are introduced to a mortgage broker for the purposes of first and second charge mortgage products. The amount received may vary dependant on the lender, yet it will not impact the amount you pay back to the lender. In addition, ClearScore also work with credit brokers and other service providers such as debt solution firms, and as such we will also receive payment should you be introduced to any of these. EquityOne Finance Ltd acts as a credit broker and earns a commission if you choose to take out a loan. A soft credit check will be done to provide your loan quote, which won't affect your credit rating. Your chosen lender may carry out a full credit check if you proceed to application.

ClearScore Everywhere Limited, trading as ClearScore. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH. Registered in England & Wales 06297533. VAT Registration Number 257 0001 44.

Representative example

14.26% APRC Representative (variable). Representative example, if you choose to add fees to the loan: assumed borrowing of £25,000 over 7 years, plus a broker fee of £2,850 and lender fee of £367.50 would result in monthly repayments of £509.96, the borrowing rate is 12.78%, the APRC is 14.26% (variable), total charge for credit would be £14,619.14 and the total amount payable would be £42,836.64. EquityOne Finance Ltd and Freedom Finance Limited are credit brokers and not lenders. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

BOE Base Rate: 3.75%