Compare bridging loans and development finance in minutes
See indicative UK bridging loan rates, fees and your net advance across our specialist lender panel, including bad credit, land, refurbishment and auction finance, then speak to an underwriter who will take your case through to completion.
- 50+ specialist lenders compared
- No credit check to get a quote
- No upfront broker fees
- A specialist with you start to finish
- Access to bespoke & intermediary-only products
Get your bridging loan quote
Adjust the figures for a live estimate.
How we compare your options
Every quote is ranked on total cost, net advance and speed, not just the headline rate. Example for a £500,000 purchase over 12 months.
Illustrative figures only. Your rate depends on LTV, property type, credit profile and loan size. Subject to lender underwriting.
Three ways to get started
Bridging loan calculator
Rates, fees, monthly cost and net advance in about 2 minutes. No credit check.
Open calculator → DetailedEnquiry form
Send us the details of your deal and a senior specialist will come back to you within the hour.
Submit enquiry → ScheduledRequest a callback
Pick a time that suits you: morning, afternoon or early evening, Monday to Saturday.
Book a callback →Not sure where to start?
Tell us what you’re trying to do and we’ll point you to the right product.
Bridging loan rates and terms compared
| Product | Rate from | Max LTV | Max loan | Typical completion | Best for |
|---|---|---|---|---|---|
| Standard bridging | 0.61% pm | 80% | £10m+ | 5–15 days | Purchases, refinances, chain breaks |
| No-valuation bridging | 0.69% pm | 75% | £10m | 48 hrs–5 days | Speed-critical cases |
| Auction finance | 0.65% pm | 80% | £5m | 10–28 days | 28-day auction deadlines |
| Refurbishment bridge | 0.69% pm | 90% on purchases | £5m | 7–14 days | Light to heavy refurb |
| Development finance | 0.75% pm | 75% LTGDV | £10m+ | 2–4 weeks | Ground-up and conversions |
| Development exit | 0.65% pm | 75% | £10m+ | 7–14 days | Post-completion refinance |
| Second charge | 0.83% pm | 70% combined | £5m | 7–15 days | Keeping an existing mortgage |
| Land bridging | 0.99% pm | 65% | £5m | 10–20 days | Land with or without planning |
Market indications only, updated September 2026. Not guaranteed offers. Use the calculator for your figures.
Who we help
BTL, HMO and flip buyers
Fast facilities for portfolio growth, HMO conversions and flips, including no-valuation options for tight timelines.
Quote an investor deal →
Ground-up and major refurb
Conversions, heavy refurbishment and development exit funding with flexible drawdowns.
Quote a development →
28-day completions
Lender decisions in hours. We regularly complete inside the 28-day deadline, including no-valuation structures.
Quote an auction deal →How it works
Tell us about the deal
Use the 2-minute calculator or call a specialist. We confirm indicative terms within the hour.
We take it to the right lenders
We use our lender network, relationships and experience to package your case accurately and negotiate the best terms.
Funds at your solicitor
We manage valuation and legals end to end. Most deals complete in 5–15 working days.
Our most popular bridging loans
Bad credit bridging loans
Specialist lenders who consider CCJs, defaults, missed payments and previous insolvency.
Bad credit bridging loans →
Refurbishment bridging loans
Light and heavy refurbishment, with works funded upfront or in arrears.
Refurbishment bridging loans →
Land bridging loans
Bridging finance for land with no planning, outline or full consent.
Land bridging loans →Auction bridging loans
Fast finance to complete inside the 28-day auction deadline.
Auction bridging loans →
Desktop and no-valuation bridging
Desktop, AVM and no-valuation routes. Lower upfront cost and faster completions.
Desktop valuation bridging loans →
Second charge bridging loans
Raise funds while keeping your existing mortgage in place.
Second charge bridging loans →No-valuation bridging, without the wait
Skip the delay and upfront cost of a full valuation. Using AVMs, desktop valuations, drive-by assessments and internal lender valuations, we fund auction purchases, refurbishments and any case where speed matters.
- Same-day decisions; completions from 48 hours on suitable cases
- No expensive survey fees before approval
- Up to 75% net LTV on no-valuation products
Case studies
Real cases, structured by our team and completed with our lender network.
£3.27m rebridge, Hyde Park, London
Receivers instructed and repossession imminent. Refinanced in 14 days at 66.7% LTV.
Read case study →21-unit conversion, Manchester
Funding to complete a commercial-to-residential conversion. No valuation, no build warranty at drawdown.
Read case study →12-unit BTL portfolio, Scunthorpe
Tenanted portfolio refinanced inside a 14-day deadline, with underwriting completed in 24 hours.
Read case study →HMO auction purchase, Stoke-on-Trent
First-time investor. Desktop valuation within 48 hours, HMO planning exit, completed in 10 days.
Read case study →Multi-let office refinance, Dundee
Commercial bridge including SPV restructuring and early repayment charge redemption.
Read case study →First-time buyer, Chigwell, Essex
Non-standard construction cottage. Desktop valuation only, gifted equity accepted, completed in 15 days.
Read case study →More cases: Grade II listed rebridge, Camberwell · Semi-commercial auction, Exeter · HMO conversion, Oxford · Prime refinance, Walton-on-Thames · View all case studies →
Explore bridging finance
By purpose
By property
Valuation and works
All bridging products → · Complete guide to bridging loans · Guides · FAQ
Why Aura Capital
- Access to 50+ specialist lenders. Including lenders not available directly to borrowers.
- Direct lender relationships. We work with credit and underwriting teams from day one.
- Total cost, not just rate. Net advance, fees and speed all factor into what we show you.
- Bespoke and intermediary-only products. Terms you can’t get by going to a lender yourself.
- No upfront broker fee. Paid by the lender on completion, disclosed in full first.
Frequently asked questions
What is a bridging loan?
A bridging loan is short-term finance secured against property, typically for 3–18 months. It’s used to buy, refinance or renovate property quickly, and is repaid by selling the property or refinancing onto longer-term finance. Read our complete guide to bridging loans or try the bridging loan calculator.
Can I get a bridging loan with bad credit?
Yes. Many specialist lenders consider CCJs, defaults, missed payments or previous insolvency. It may affect your rate or maximum LTV, but it rarely rules out a bridging loan. See bad credit bridging loans.
Can I get a bridging loan on land?
Yes. We arrange land bridging loans for land with no planning, outline or full planning consent, from 0.99% per month and up to 65% LTV. See land bridging loans or use the land bridging finance calculator.
What is the maximum LTV on your bridging loans?
Standard first-charge residential bridging goes up to 80% LTV, with most cases at 70–75%. 90% LTV is available on refurbishment purchases. Higher leverage may be available on below-market-value purchases.
Do you offer no-valuation bridging loans?
Yes. Using AVMs, desktop valuations, drive-by assessments and internal lender valuations, suitable cases can proceed without a full physical inspection, with same-day decisions available.
Are there upfront fees?
No. There are no upfront broker fees and no commitment agreements. We’re paid by the lender on completion, disclosed in full before you proceed.
What are current bridging loan rates?
Rates start from 0.61% per month for strong cases at lower LTVs. Use our bridging loan calculator to model your loan size, LTV and term.
How quickly can a bridging loan complete?
Most loans complete in 5–15 working days. No-valuation and desktop valuation routes are generally the fastest, and urgent auction cases can complete in days.
Will getting a quote affect my credit score?
No. An indicative estimate doesn’t involve a credit search. A formal search may be needed later if you proceed, and we’ll always tell you first.
Ready to see your options?
It takes about two minutes, there’s no credit check to start and no obligation to proceed. A specialist will follow up within the hour.