What are bridging loan rates right now?
We don't quote rates — lenders set them case by case. These are the lowest rates some named lenders advertise on their own pages, as we read them on 2 November 2026:
| Lender and product | Rates from (per month) | Loan size | Max LTV |
|---|---|---|---|
| Shawbrook — bridging loans | 0.69% | £50k–£25m | Up to 90% |
| Together — commercial bridging | 0.94% | From £26k | 70% |
| Hope Capital — commercial bridging | 0.95% | £50k–£5m | 70% |
These are examples, not offers or recommendations. Hope Capital's page shows a 2023 copyright date and may be out of date. Rates on these pages change without notice.
Why is the "from" rate not what most people pay?
A "from" rate is the best case: low loan-to-value, a straightforward property, a strong borrower and a clear exit. Together says plainly that you may be offered a higher rate. Things that push the rate up:
- Higher loan-to-value.
- Unusual or commercial property, or heavy works.
- A second charge rather than a first.
- An exit the lender sees as uncertain, or a credit history with problems.
How do monthly rates compare with annual rates?
Multiply by 12 for a rough simple annual figure: 0.69% a month is about 8.3% a year before compounding, and 0.95% is about 11.4%. If interest is rolled up, compounding makes the true cost higher — the bridging loan calculator shows the difference.
What fees come on top of the rate?
The British Business Bank lists broker, lender, legal and administration fees as typical extras. Expect an arrangement fee, a valuation, your legal costs and the lender's, and sometimes an exit fee — though some lenders, such as Hope Capital, advertise no exit fees, and Shawbrook advertises no early repayment charges. Compare offers on total cost over your realistic term.
What happens to the rate if the loan overruns?
It can go up. The Personal Finance Society notes that on unregulated loans, interest rates increase in line with the loan agreement once a loan is unpaid after its term date. Read that clause before you sign. For the bigger picture, see how bridging loans work for investors.
Is bridging right for you?
Bridging is short-term borrowing secured on property, and the lender can take that property if the loan isn't repaid. Only use it with a realistic exit, and compare it with a standard buy-to-let or commercial mortgage first — if you have time to wait for one, it usually costs less. Speak to your accountant or solicitor if you're unsure.