Auction finance
Read how this use case is typically structured and what lenders look for.
UK bridging introductions
Indicative bridging figures, then an introduction to regulated partners
Independent UK introducer. We run the calculator, qualify purpose, occupancy and exit, and pass a complete pack to an FCA-regulated broker. We do not lend and we do not advise. Use the indicative figures below, then enquire if you want regulated partners to review your file.
Introducer, not a lender
UK property only
Regulated and unregulated routes
Configure your facility
Defaults match the previous public calculator: £500,000 security, £250,000 net, 12 months, 0.85% a month retained, 2% facility fee added to the loan.
Estimated gross LTV
56.2%
Gross LTV is above a typical 75% institutional cap. A larger deposit or extra security may be required.
Your facility estimate
- Net funds released
- £250,000
- Net LTV
- 50.0%
- Arrangement fee (2%)
- £5,000
- Monthly interest
- £2,167.50
- Total interest (12 months, retained @ 0.85%)
- £26,010
- Fees total
- £5,000
- Gross facility
- £281,010
- Gross LTV
- 56.2%
- Total cost of credit
- £31,010
- Total to repay
- £281,010
- Net loan
- £250,000
Month-by-month interest
| Month | Interest | Balance shown | Notes |
|---|
Indicative estimate only. Not a quote, illustration under MCOB, or offer of credit.
Your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Interest can roll up quickly. A credible exit is required. We introduce enquiries; we do not lend.
Where bridging is commonly used
Bridging finance is short-term borrowing secured against UK property or land. People use it when a conventional mortgage would take too long, when a chain is at risk, or when the asset is not yet in a condition a high-street lender will accept. It is more expensive than a long-term mortgage and it needs a planned exit.
Chain-breaking finance
Read how this use case is typically structured and what lenders look for.
Buy before you sell
Read how this use case is typically structured and what lenders look for.
Overseas property
Read how this use case is typically structured and what lenders look for.
Capital raising
Read how this use case is typically structured and what lenders look for.
Self-build
Read how this use case is typically structured and what lenders look for.
Heavy refurbishment
Read how this use case is typically structured and what lenders look for.
Commercial bridging
Read how this use case is typically structured and what lenders look for.
Land finance
Read how this use case is typically structured and what lenders look for.
Development exit
Read how this use case is typically structured and what lenders look for.
Regulated bridging
Read how this use case is typically structured and what lenders look for.
Unregulated bridging
Read how this use case is typically structured and what lenders look for.
Limited company
Read how this use case is typically structured and what lenders look for.
Bad credit
Read how this use case is typically structured and what lenders look for.
Open vs closed
Read how this use case is typically structured and what lenders look for.
Gross loan versus net loan
The net loan is the cash released to you or your solicitor. The gross loan is the total facility the lender counts against LTV: net funds, plus the arrangement fee if it is added, plus retained or rolled-up interest.
Regulated versus unregulated
If you or a close family member live in, have lived in, or intend to live in at least 40% of the security, the loan is usually treated as a regulated residential mortgage contract. Investment and commercial files are often unregulated. Ask the broker which protections apply to your case.
Frequently asked questions
What is the difference between open and closed bridging loans?
A closed bridging loan has a repayment date the lender can treat as contracted, such as a sale that has already exchanged. An open bridging loan has no fixed repayment date, but it still has a maximum term and still needs a credible exit.
What interest rates do bridging loans typically use?
Bridging is usually quoted as a monthly rate. A public rates guide reviewed on 22 September 2026 put prime cases at about 0.55%–0.65% a month, mainstream cases at about 0.65%–0.95% and specialist cases at about 1.0%–1.5% or more; the Bridging Trends Q2 2026 average was about 0.81%. Guidance only. Not our rates — we do not lend.
Can I get a bridging loan with bad credit?
Sometimes. Bridging is secured against property, so underwriters often look first at equity and the exit. Adverse credit can still change the rate, the maximum LTV or whether a refinance exit is realistic.
Do I need to make monthly repayments?
Not on a retained-interest facility. The interest for the term is added up front and repaid with the loan. Serviced interest is paid each month and needs an income the lender will accept.
Can bridging finance be used if a property is at risk of repossession?
Some specialist lenders will consider a facility that clears arrears so a property can be sold in an orderly way. It is still secured borrowing, it is not guaranteed, and you should take advice quickly.
How quickly can funds be released?
A decision in principle can sometimes be issued the same day. Drawdown typically follows valuation and legal checks; timescales vary. Regulated cases include extra consumer steps and usually take longer.
Why does the calculator warn above 75% LTV?
Many institutional bridging lenders assess risk on the gross loan, including fees and retained interest, and often cap that at around 75% of the security value. Extra cash or additional security may be needed above that.