Bridging finance with rates, fees and total cost shown clearly.
Compare bridging loan rates from UK lenders for property purchases, refinances, refurbishment and developer exits. £75k to £25m. Retained or serviced interest. Gross loan, net loan, arrangement fees, exit fees and total cost shown side by side — we share our broker commission with you.
Bridging finance is a short-term secured loan (1 to 24 months) used to bridge a gap between buying a property and arranging longer-term funding. Interest is retained (rolled up) or serviced monthly, with rates typically from 0.55% per month. Lendaris compares bridging loan options across 40+ UK lenders and shares 50% of broker commission above £500 with the borrower.
AT A GLANCE
Bridging loan rates and key terms
Loan sizes
£75k – £25m
LTV (up to)
75% gross
Term
1 – 24 months
Interest
Retained or serviced
Rate (from)
0.55% p/m
Decision
DIP 24–72 hours
COMMON SCENARIOS
When bridging finance is used
LENDER CRITERIA
What bridging finance lenders assess
TRANSPARENT COMPARISON
Compare bridging loan rates and total cost
Every bridging lender quotes differently. Some roll up fees into the rate, others show a low headline rate with high entry and exit fees. We normalise the numbers so you can compare the true cost of borrowing.
You see gross loan, net loan, arrangement fee, exit fee, total estimated cost, and our commission — per lender, side by side. You choose who we submit to.
WHAT YOU SEE
- Gross loan and net loan per lender
- Arrangement fee, exit fee, and total estimated cost
- Monthly rate and true cost of borrowing
- Our broker commission per lender — fully disclosed
- Your estimated commission share per lender
- Live status as each submission progresses
A WORKED EXAMPLE
Your commission share on a bridging deal
Commission paid 7 working days after the lender pays us.
THE DEAL
£850,000
- 9-month bridging loan
- Commercial bridging finance for mixed-use property
- Light refurbishment, exit to commercial mortgage
- 65% LTV gross
THE COMMISSION
£12,750
- 1.5% lender commission (typical for bridging)
- Fully disclosed before submission
- Paid by lender on completion
- Subject to final lender terms
COMMISSION
£12,750
LENDARIS KEEPS
£6,625
YOU RECEIVE
£6,125
Example assumes typical 1.5% bridging finance commission. £500 minimum retained by Lendaris; surplus split 50/50. Subject to lender commission arrangements.
See how much you could save. Learn how commission sharing works
FREQUENTLY ASKED
Common questions about bridging finance
Bridging finance is a short-term secured loan, typically lasting 1–24 months, used to bridge a gap in funding. It is commonly used when speed is essential — for example, buying at auction, breaking a chain, or funding works before refinancing onto a longer-term mortgage.
Many bridging lenders can issue a decision in principle within 24–72 hours. Full completion depends on valuation and legal work, but straightforward cases can complete in 2–4 weeks. Some lenders offer rapid-completion products for time-critical deals.
The gross loan is the total bridging facility including retained interest and fees rolled into the loan. The net loan is the cash you actually receive on day one. The difference is the retained interest and any capitalised fees. Both figures matter when comparing bridging loan rates.
Retained interest means the lender deducts the full interest cost for the loan term from the gross loan on day one. You do not make monthly payments — the interest is pre-paid from within the facility. This is the most common structure for bridging finance in the UK.
Yes. Some lenders offer serviced interest bridging where you pay monthly, similar to a standard mortgage. This means your net loan is higher (less is retained upfront), but you need to demonstrate monthly affordability.
Every bridging lender requires a clear exit strategy — how you will repay the loan. Common exits include: sale of the property, refinance onto a term mortgage, refinance onto a development facility, or sale of another asset. The stronger your exit evidence, the better your bridging loan rates.
Yes. Refurbishment bridging finance is common. Many lenders fund light-to-medium refurbishment. Some release funds in stages (similar to development drawdowns) for heavier works. If the project involves structural changes, it may cross into development finance territory.
The lender pays us a broker commission (typically 1–1.5% on bridging finance). We keep £500 plus 50% of the surplus, and pay the other 50% directly to your bank within 7 working days. Every penny is disclosed before you instruct us to submit.
Results are indicative and depend on lender criteria, valuation, security, credit profile, exit route and full underwriting. Commercial finance may be unregulated. Some property finance can be regulated depending on borrower, property use and loan purpose. The correct status should be confirmed case by case.
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Rates, fees and commission shown clearly. No credit check. No commitment until you instruct us to submit.
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