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:
| Key features | Current 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 |
Lowest bridging rates at May 2026
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 ...
EquityOne Finance Limited is authorised & regulated by the Financial Conduct Authority FRN: 733649
Our advisors are qualified with a Certificate in Mortgage Advice and Practice
We are registered with the Information Commissioner's Office (ICO)
Proud members of the National Association of Commercial Finance Brokers
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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%