Fast, whole-of-market regulated and unregulated bridging finance - see your indicative rate in seconds
Tell us about your case below and we'll show you the lowest rate available on our panel for your criteria. A broker will then confirm exact terms - with no obligation.
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A maximum of 12 months applies for regulated bridging loans where you or a family member will occupy at least 40% of the property.
Indicative only, not an offer. Subject to valuation, underwriting and credit checks. Exact rate depends on the lender selected once a broker has reviewed your case.
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A broker will confirm your exact rate and terms - no obligation.
Bridging loans: frequently asked questions
What is a bridging loan and how does it work?
A bridging loan is a short-term, asset-backed loan designed to cover an immediate funding gap until long-term financing is secured or an asset is sold. In the UK, these loans typically run from 1 to 24 months and are secured against property.
Are second charge bridging loans available?
Yes, with rates starting from 0.79% per month.
How are bridging loans paid?
Interest can be paid monthly, deducted upfront from the gross loan, or rolled up (added to the loan balance and paid at the end).
When is a bridging loan often used?
Development exits, auction purchases, chain breaks, asset stabilisation, heavy refurbishment and in situations where it is necessary to act quickly.
How much does a bridging loan cost?
| Property type | Rate from (per month) | Typical arrangement fee |
|---|---|---|
| Residential (regulated) | 0.44% | 2.00% |
| Residential (unregulated) | 0.44% | 2.00% |
| Semi-commercial | 0.59% | 2.00% |
| Commercial | 0.53% | 2.00% |
| Land | 0.53% | 2.00% |
Additional fees may apply, including legal fees, a valuation fee and an admin fee.
What is the difference between a regulated and unregulated bridging loan?
A regulated bridging loan is for a property that you live in, or plan to live in. An unregulated bridging loan is for any other type of property such as investment and commercial properties.
How fast can you get a bridging loan?
A decision in principle can be achieved very quickly and it is possible to complete on a bridging loan within a matter of days.
Prefer to talk it through first?
Call us directly or leave your details and a broker will call you back.
Telephone: 020 7580 1555
Stirling Partners Finance Ltd is regulated and authorised by the Financial Conduct Authority. FRN: 304236.
Registered company number: 05160479
Registered address: 106 Tring Road, Aylesbury, Bucks HP20 1LS, UK.
Your home may be repossessed if you do not keep up repayments on a mortgage.
ICO registration Z8810642 and you can check via www.ico.org.uk. We work with an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.