Search Over 200 Bridging Loan Lenders

We work with one of the UK's leading specialist mortgage brokers who search the market to find you the best bridging loan rate, helping 10,915 property investors, buyers and developers since 2015.

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What type of bridging loan do you require

Personal Bridging Loan Business Bridging Loan Commercial Bridging Loan Refinance Existing Other

✔ Compare 200+ lenders

✔ Fast funding decisions

✔ Specialist property brokers

✔ No obligation quotes

Welcome to Bridging Finance Comparison

Our platform connects you with our partner, Curzon Financial, who will search the market and compare your bridging loan options to secure the most cost-effective option available.

Once you’ve made an enquiry, Curzon Financial will reach out to provide further information and guidance to identify the most suitable bridging finance solution available based on your property value, loan amount, timescale and exit strategy.

Bridging Finance Comparison is a free to use lead generation service that introduces enquiries to Curzon Financial, who are authorised by the Financial Conduct Authority (FCA), who may provide advice and arrange finance where appropriate. The service is free to use and there is no obligation to proceed.

Bridging finance comparison dashboard showing loan rates, charts and UK property finance analytics

Access Specialist Deals

Compare bridging finance options from over 200 lenders, including exclusive deals, with rates starting from 0.44% pcm

Tailored To Your Requirements

Solutions designed for investors, developers and property buyers needing short-term finance.

Guidance from Specialists

Work with experienced property finance brokers who understand complex bridging scenarios.

We partner with Curzon Financial, who were recently named the UK’s most trusted broker. Your details are kept secure, and every enquiry is handled promptly and professionally.

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Here are the TOP REASONS people use bridging finance

Bridging loans have become a mainstream form of lending, are flexible, short-term loans, which can be used for a wide variety of purposes.

Auction purchases — meet fast completion deadlines.

Chain breaks — secure your purchase before selling your current property.

Refurbishment — fund works before refinancing or selling

Property Flips — secure short term funding to flip properties

Refinancing — refinance your existing bridging loan to secure further time to exit

Unmortgageable property — complete essential repairs before selling or refinancing.

Business cashflow — short-term finance secured on property.

Land purchases — secure land while planning next steps.

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Example Bridging Loan Scenario

Below is a simplified example showing how bridging finance may work for a typical UK property purchase. Actual rates, fees and terms will vary depending on the lender and circumstances.

Property Purchase Price £300,000

Deposit / Equity £95,000

Bridging Loan Amount £205,000

Loan Term 12 months

Typical Monthly Rate* 0.61%

Exit Strategy Refinance to mortgage

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*Rates shown are examples only. Actual bridging finance terms depend on the property, loan-to-value, borrower profile and lender criteria.

Typical Bridging Loan Rates & Fees

Bridging loan rates vary from lender to lender based on various factors, including loan-to-value ratio, credit profile, security type, and the urgency of fund disbursement.

Monthly Interest Rates

Rates range from 0.44% pcm to 3% pcm depending on risk and lender criteria.

Arrangement Fees

Most lenders charge a 2% arrangement fee, with some lenders charging more, which is commonly added to the loan.

Valuation Fees

A property valuation is usually required before funding. The cost depends on the property value and type.

Legal Fees

Both borrower and lender legal costs may apply to ensure the loan is secured correctly.

Broker Fees

Brokers typically charge a fee for arranging bridging finance, this fee ranges from £495.00 to as high as 2% of the loan amount

Exit Fees

Some bridging lenders charge a small exit fee when the loan is repaid. This varies between lenders.

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FAQS

What is a bridging loan? +

A bridging loan is a short-term property finance solution designed to help buyers, investors or developers secure funding quickly. Bridging loans in the UK are commonly used for property purchases, auction finance, refurbishment projects or to bridge a temporary funding gap before long-term finance is arranged.

How do bridging loans work in the UK? +

Bridging loans are secured against property and are typically arranged for a short period, usually between 3 and 18 months. Borrowers normally repay the loan through an exit strategy such as selling the property, refinancing onto a mortgage or completing a development project.

What can bridging finance be used for? +

Bridging finance can be used for many property transactions including auction purchases, property refurbishment, chain breaks, land purchases, development funding and refinancing existing property loans.

How quickly can a bridging loan be arranged? +

Bridging loans are designed for speed. In some cases funding can be arranged within a few days depending on the property, lender requirements and the complexity of the transaction.

What interest rates apply to bridging loans? +

Bridging loan rates vary depending on the lender, loan-to-value ratio, property type and borrower circumstances. Rates are typically charged monthly and can vary across the bridging finance market.

Do I need a deposit for a bridging loan? +

Most bridging lenders require borrowers to have equity in a property or provide a deposit. Loan-to-value ratios can vary depending on the lender and the type of bridging finance required.

What is an exit strategy for a bridging loan? +

An exit strategy explains how the bridging loan will be repaid. Common exit strategies include selling the property, refinancing onto a long-term mortgage or completing a property development project.

Can I get bridging finance for auction purchases? +

Yes. Bridging loans are commonly used for auction purchases where buyers must complete quickly, usually within 28 days. Bridging finance can provide fast funding to secure the property.

Are bridging loans regulated in the UK? +

Some bridging loans are regulated by the Financial Conduct Authority (FCA), particularly if the loan is secured against a property that the borrower or their family will live in. Many commercial bridging loans are not regulated.