Find the right bridging loan for you
Tell us about the loan you're looking for and we'll line up the bridging lenders that fit your circumstances. It takes around 2 minutes.
Answer the questions on the left and your indicative figures will build up here as you go.
Current bridging loan rates and terms
Market indications only, updated September 2026. Not guaranteed offers.
| Feature | Typical market position |
|---|---|
| Interest rates | From 0.61% per month; pricing depends on LTV, property type, charge type, credit profile and loan size |
| Loan size | £26,000 to £10 million+ |
| Standard maximum LTV | Usually up to 80% on residential first charge; lower for commercial, land and short terms |
| Terms | Commonly 3–18 months |
| Arrangement fee | Minimum 2% of the gross loan |
| Exit fee | Nil to 1%+ depending on lender and product |
| Valuation | AVM, desktop or full RICS valuation depending on the case and lender |
| Interest method | Retained (deducted upfront), rolled up, or serviced (paid monthly) |
| Completion | Often 5–15 working days on straightforward cases |
What affects the bridging loan you can get
Every case is assessed individually, but these are the factors that most affect which lenders are interested, the rate you're offered, and how much you can borrow.
Lower LTV generally means lower rates. Standard first-charge residential bridging goes up to 80%. Higher LTVs need specialist lenders or extra security.
Standard residential, HMOs, mixed use, commercial and land are all treated differently — condition and saleability affect both LTV and rate.
Second-charge bridging sits behind an existing mortgage. Most lenders cap the combined LTV at 70% across both charges.
Sale and refinance are the two main routes. A clear, evidenced plan gets better terms than a vague one — this is known as your exit strategy.
Bridging lenders are often more flexible than high-street lenders. CCJs or missed payments may affect rate or LTV, but rarely rule a case out entirely.
Tight deadlines — auction purchases especially — affect which lenders and valuation routes are realistic.
Types of bridging loans we compare
Larger bridging against prime and high-value residential property.
Bridging to acquire residential and mixed investment property.
Secured against offices, retail, industrial and other commercial property.
Fast bridging to meet 28-day auction completion deadlines.
Light and heavy refurbishment finance with staged drawdowns.
Selected lenders lend against AVMs with no physical inspection.
Faster and lower-cost than a full RICS valuation on suitable cases.
Bridging finance sitting behind an existing first charge.
Where consent for a second charge has been declined by your existing lender.
Where the security is the borrower's main residence — referred to an authorised firm.
Bridging against land with and without planning permission.
Refinancing from a development facility once construction is complete.
Specialist bridging for borrowers with CCJs, defaults or prior insolvency.
Bridging finance for purchases through limited companies and SPVs.
Bridging against houses in multiple occupation, including conversions.
Why compare through Aura Capital?
- Access to 50+ specialist lenders. We assess your case across a panel including lenders not accessible directly to borrowers.
- Direct lender relationships. We work directly with credit and underwriting teams, so cases get packaged accurately from day one.
- We compare total cost, not just rate. Net advance, total interest, fees and speed all factor into what we show you.
- Every structure covered. Standard residential through to commercial, land, refurbishment, development exit and specialist cases.
- Support through to completion. We manage the lender relationship, valuation and legal liaison throughout.
- No upfront broker fee. We're paid by the lender on completion, disclosed in full before you proceed.
How it works
Answer a few questions
About two minutes, no credit check, no documents needed to start.
We assess your case
Security, LTV, credit profile and exit strategy checked against real lender criteria.
Compare your options
Suitable lenders compared by total cost, net advance, speed and criteria — not just rate.
Decide, no pressure
You choose whether to proceed. Nothing is committed until you say so.
Frequently asked questions
How do I compare bridging loans?
Compare the net day-one advance, total interest for your realistic term, arrangement fee, exit fee and interest method — not just the headline rate. The lowest advertised rate isn't always the cheapest option once fees and valuation costs are added in.
What's the best bridging loan rate right now?
Rates currently start from 0.61% per month for strong cases at lower LTVs on standard residential security. Your actual rate depends on LTV, property type, charge type, credit profile and loan size.
Will this affect my credit score?
No. Getting an indicative estimate from Aura Capital doesn't involve a credit search and won't affect your credit score. A formal search may be needed later if you proceed with a specific lender — we'll always tell you before that happens.
How much can I borrow?
From £26,000 to £10 million and above, depending on the property value, LTV limits for the product type, and lender appetite for your specific case.
How quickly can a bridging loan complete?
Straightforward cases on standard residential property can complete in 5–15 working days. No-valuation and desktop valuation routes are generally the fastest.
Should I always pick the lowest rate?
Not necessarily. A lower rate with a full physical valuation and higher legal fees can cost more overall — and take longer to complete — than a slightly higher rate with a faster, cheaper valuation route. We show you the total cost, not just the rate.
Can I compare bridging loans with bad credit?
Yes. Many specialist lenders consider CCJs, defaults, missed payments or prior insolvency. It may affect your rate or maximum LTV, but it rarely rules out a bridging loan entirely — see our bad credit bridging guide.
Are bridging loans regulated by the FCA?
Only where the security property is the borrower's or a close family member's main residence. Most bridging is unregulated — investment, commercial and development cases. Aura Capital doesn't provide regulated mortgage advice; regulated enquiries are referred to an appropriately authorised firm.
How does Aura Capital get paid?
We charge no upfront broker fee. We're paid a procuration fee by the lender on completion of a successful case, disclosed in full before you commit to anything.
Ready to see your options?
It takes about two minutes, there's no credit check to start, and no obligation to proceed.
Regulatory status: Aura Capital acts as a specialist bridging finance broker. We do not provide regulated mortgage advice. Regulated enquiries are handled by an FCA-authorised firm on a non-advisory referral basis.
The estimate produced by the calculator on this page is an illustration only and does not constitute an offer of credit, a guarantee of terms, or regulated financial advice.
© 2026 Aura Capital.