BridgingFinance4U has associated with a number of lending partners in the UK to provide you with low-rate bridging loan interest rates in the UK. Since the most common factor is the rate of interest, and the loaner is trying to be more competitive than others, the mortgage bridging home loan rates may depend on other factors as well:
Bridging Loan Interest Rates UK – Finance
Find the right rate for your bridging loan—UK-wide finance options designed to meet your timeline and budget.
Rates start from on a 1st Charge BTL :
- 0.44% pcm up to 55% ltv
- 0.54% pcm up to 65% ltv
- 0.64% pcm up to 75% ltv
- 0.83% pcm up to 80% ltv
- 0.99% pcm up to 75% ltv with adverse
- 1.15% pcm upto hundred percentage purchase price with 25-30% disc on OMV
Rates start from on 2nd & 3rd Charges:
- 0.89% pcm up to 65%
- 1.1% pcm up to 75%
- 1.15% pcm up 65% (No Val Required or no 1st Charge Lenders Consent)
- Formal Offers within 1 hour subject to Valuation with at least one lender
Commercial & Semi Commercial
- 0.75% pcm up to 55% ltv
- 0.85% pcm up to 65% ltv
- 0.95% pcm up to 75% ltv
One of our lowest Development Finance Rates Below subject to Project
Development Finance
- 2% Arrangement Fee with rates from 0.71% pcm
- Upto 65% of Gross Development Value and 100% of Development costs with up to 70% of Purchase Price
Terms & Conditions
- 2% Lender’s Arrangement Fee
- Interest: Can be deducted from the loan or paid monthly by you
- Lender’s Solicitor Fees: From £750 (varies by lender)
- Valuation Fees: From £350 (depends on lender and property location)
- Loan Terms: 1 to 24 months available
- Quick Funding: Funds can be released within 3–5 days if valuation access is available and your solicitor acts promptly
Contact us by phone at 0800 298 0678, email us at [email protected], or simply fill out the Bridging Finance Enquiry Form on our website.
Fast Non-Status Bridging Loans
For quick decisions, lenders typically require:
- Your name and address
- Security property address
- Purchase price or current valuation
- Loan amount required
Lending decisions are based on property location, condition, and open market value. Most lenders will also require:
- Solicitor fees (yours and theirs)
- Formal documents (ID and proof of address)
- For lenders offering the lowest rates: income, expenditure, and possibly past experience in property investment or development
Let’s talk about how we can help you…
Whether you’re looking for fast funding or need expert advice, we’re here to help. Reach out to us today and get started with a simple, hassle-free enquiry. Just click below to begin!
Top tips for getting the best Bridging Loan Interest Rates in London UK, Best to Average Compare Rates
When you consider getting a bridge loan, especially for the short-term until the long-term solution is available, the most important factor to consider is its rate of interest. The fast non-status bridging loan interest rates UK depends on what type of loan you are willing to get, how much you are willing to borrow and for what time duration. Ideally, the bridge loan rate varies between 0.25% and 1.5% and runs from 1 to 24 months, and may get extended under certain circumstances.
Bridging loan lenders in the UK accept different types of properties, such as houses, bungalows, shops, flats, offices, hotels, health clubs, farmland and more as security. This could be either one property, two properties or more. The loaner will secure the lending amount by taking charge of the properties you offer. These properties could be registered as the first charge loan, second charge, commercial or semi-commercial. To give you a better idea, let’s break down our lowest bridge loan interest rates based on the type of loan offered. We provide real estate, mortgage, and commercial bridge loan rates that typically compare rates of interest.
Understanding Bridging Loan Interest Rates: What You Need to Know
When you are buying a property, it can be useful to find out about bridging loan rates in London in case you need to borrow a bridging loan in order to complete the purchase of the property. However, did you know what a bridging loan can be used for? Here are some of the options.
The best commercial bridging loan rates we could offer in the UK start from 0.55% PCM up to 55% LTV and go up to 1.5% PCM up to 75% LTV. We also offer a property loan with rates from 0.54% PCM. You can bridging finance calculator the loan amount using our bridging loan property development finance estimate such as real estate, housing, and land.
what is the average interest rate on a bridge loan?
You can get very easily find average bridge loan interest rates in:
- London
- Tottenham
- Wood Green
- Cuffley
- Epping
- Edmonton
- Potters Bar
- Cheshunt
- Ilford
- Hatfield
- Enfield
- Waltham Abbey
- Hertford
- Barnet
- Broxbourne
- Buckhurst Hill
- Waltham Cross
- Edgware
- Finchley
- London Borough of Waltham Forest
Factors that Influence Bridging Loan Interest Rates: A Comprehensive Guide
- Loan to Value: The Loan Value ratio describes the size of the loan you take out compared to the value of the property offered as security. When the borrower offers a greater value of equity, the risk to the lender decreases. Lower interest rates can be achieved through lower LTV value.
- Type of Property: The bridging loan can be divided mainly based on the type of property offered for security: residential, semi-commercial and commercial. Since residential property offers the best security, the interest rates are usually lower than commercial property. Commercial and semi-commercial properties are a bit risky as the values can drop drastically in a short time.
- Condition and Location of Property: Our bridging loan creditors offer short-term bridge loans against any type of property, even the ones that other loaners refuse to accept. We also accept the property in any area across the UK. However, the monthly interest rate varies based on the condition and location of the property.
- Loan Term: The time duration for which you required funds also influences the rate of interest. The loan term can last up to 12 months, but in some cases, it may last up to 24 months where required.
What are Bridging Loan Interest Rates in London and how do they work?
When you are buying a property, it can be useful to find out about bridging loan rates in London in case you need to borrow a bridging loan in order to complete the purchase of the property. However, did you know what a bridging loan can be used for? Here are some of the options.
Uninhabitable Property
Some properties are uninhabitable – they need a lot of work done to them. If they are bought at auction, there is usually a period of 28 days before payment is needed, but it might be that a traditional mortgage can’t be secured until the refurbishments are carried out. We will enable you to have the money-saving expert you need to buy you time to purchase the property, do it up, and then obtain a traditional mortgage for the long term.
Gifted Deposit
If a child, for example, requires a down payment for a property, parents might choose to use the equity in their own home to gift it to them. However, if the parents also want to move home to downsize, it could be a little while before the money-saving expert comes through. A bridging loan means that they are able to gift the down payment before their home sells.
Development Build
We can be extremely useful if a property developer wanted to buy a property and land and then build another property. They would then need to split the title, so a traditional mortgage would be difficult to obtain until this was completed. Low-rate bridging loans quotes in London can vary, so it is wise to research what you need and why you need it. If you can give us as much information as possible and discuss everything with us, then we will be able to give you as much help as possible.
the importance of comparing rates from different lenders, understanding the difference between fixed and variable rates, and strategies for negotiating favourable rates. It’s important to research and consider multiple lenders, evaluate the terms and conditions of the loan, and assess your financial circumstances to secure the most competitive bridging loan interest rates available. Obtaining a bridging loan with bad credit can be challenging due to the higher risk involved for lenders.
Japanese Knotweed
Japanese knotweed is a big problem. If it is found on a property’s land, regular lenders are unlikely to offer a mortgage. Therefore, a bridging loan can give a buyer time to remove the knotweed before applying for standard bridging mortgage rates.
Affordable Bridging Loan Interest Rates
Bridging loan interest rates in London, UK vary depending on factors such as the borrower’s credit history, loan duration, and the lender’s assessment. In addition to interest charges, borrowers should consider other costs associated, including legal fees, valuation fees, and potentially a broker fee. These costs contribute to the overall expense of the loan. It is important to carefully evaluate and compare different lenders to ensure competitive rates and terms. Moreover, borrowers should have a clear understanding of the exit fees associated with the loan, which are incurred when repaying the loan in full. By considering all these factors, borrowers can make informed decisions regarding short-term bridging loans in London, UK. Costs can vary depending on factors such as the loan amount, bridging loan interest rates, and the duration of the short-term loan.
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