Bridging Loan Rates by Lender 2026 — Updated October 2026
- Prime rate — Octane Capital, residential, sub-55% LTV, clean exit (Sept 2026)
- 0.55%Prime rate — Octane Capital, residential, sub-55% LTV, clean exit (Sept 2026)
- Standard band — typical mid-market residential bridge (Oct 2026)
- 0.80%Standard band — typical mid-market residential bridge (Oct 2026)
- Lenders on DBF bridging panel — the widest specialist access
- 40+Lenders on DBF bridging panel — the widest specialist access
- Compare on total cost (rate + fees) — not rate alone
- Total costCompare on total cost (rate + fees) — not rate alone
Bridging loan rates vary significantly between lenders even at the same LTV and property type. The advertised "from" rate is only the starting point — the actual rate depends on the specific deal characteristics and how each lender assesses risk. Understanding which lenders are most competitive for your specific scenario is the core value a whole-of-market broker provides. This guide compares named lenders at matched LTV bands, shows the month each lender's rates were last verified, and gives total cost illustrations to allow meaningful comparison.
Bridging Loan Rates by Lender — Residential (date verified shown for each lender)
Swipe the table sideways to see every column.
| Lender | Prime rate (sub-60% LTV) | Standard (65%–70% LTV) | Arrangement fee | Exit fee | Best for | Verified |
|---|---|---|---|---|---|---|
| Octane Capital | 0.55%/month | 0.70%–0.80%/month | 1.5%–2% | None on most products | Prime residential, clean credit, clear exit. Fast. Excellent service. | Sept 2026 |
| LendInvest | 0.58%/month | 0.75%–0.85%/month | 1.5%–2% | 0%–1% | Residential and development exit. Good for experienced borrowers. | Sept 2026 |
| Roma Finance | 0.60%/month | 0.75%–0.85%/month | 1.5%–2% | None | Good all-rounder. Residential and light commercial. Flexible on property type. | Sept 2026 |
| Bridgebank Capital | 0.62%/month | 0.78%–0.90%/month | 1%–2% | 1% | Regulated bridging specialist. FCA-regulated cases. Homeowner bridges. | Sept 2026 |
| Together | 0.65%/month | 0.80%–0.95%/month | 1.5%–2% | 1% | Wider credit appetite. Adverse credit cases. Non-standard property types. | Sept 2026 |
| Shawbrook Bank | 0.65%/month | 0.80%–0.95%/month | 1.75%–2% | 0%–1% | Commercial bridging specialist. Semi-commercial and investment properties. | Sept 2026 |
| Precise Mortgages | 0.65%/month | 0.80%–1.00%/month | 1.5%–2% | 1% | Good for adverse credit residential. Flexible underwriting. | Sept 2026 |
| UTB (United Trust Bank) | 0.70%/month | 0.85%–1.00%/month | 1.5%–2% | 0%–1% | Residential and commercial. Good for regulated and semi-commercial. | Sept 2026 |
What determines your rate
Total cost comparison — rate alone is misleading
A lender at 0.65%/month with no exit fee will often be cheaper over a 6-month term than a lender at 0.60%/month with a 1% exit fee. On a £400,000 loan: 0.60% × 6 months = £14,400 interest + 1% exit fee £4,000 = £18,400. 0.65% × 6 months = £15,600 interest + no exit fee = £15,600. The "more expensive" rate lender costs £2,800 less. DBF always models total cost — not just monthly rate — before recommending a lender.
Lender speed and service — often as important as rate
In time-sensitive bridging cases (auction purchases, possession prevention, chain break), lender speed matters as much as rate. Octane Capital and LendInvest have strong reputations for speed and reliable processing. Together and some specialist lenders can take longer on complex cases. DBF knows the current processing time at each lender and factors this into the recommendation for time-sensitive cases.
Which lenders suit which cases
Prime residential (clean credit, prime location, clear exit): Octane Capital, LendInvest, Roma Finance. Adverse credit / non-standard property: Together, Precise Mortgages, UTB. Regulated bridging (primary residence): Bridgebank Capital, UTB, Together. Commercial bridging: Shawbrook, UTB, Roma Finance. Development exit: LendInvest, Octane Capital, specialist development lenders. DBF matches the lender to the case — not every case goes to the cheapest rate lender.
The lender panel and direct lender relationships
DBF maintains direct relationships with 40+ bridging lenders including all those named above. These relationships — built through regular case placement — mean DBF receives current rate card intelligence, understands underwriting appetite at case level, and can negotiate enhanced terms on larger loans. Lenders compete for DBF case flow, which benefits clients on pricing.
Worked cost example
- Lender A — Octane Capital
- 0.72%/month + 1.5% arrangement + 0% exit
- Lender B — Together
- 0.82%/month + 1.75% arrangement + 1% exit
- Lender C — Roma Finance
- 0.78%/month + 1.5% arrangement + 0% exit
Scenario: £350,000 residential bridge, 65% LTV, 6-month term. Clear exit: property sold STC. Clean credit.
Interest: £15,120. Arrangement fee: £5,250. Total: £20,370.
Interest: £17,220. Arrangement fee: £6,125. Exit fee: £3,500. Total: £26,845.
Interest: £16,380. Arrangement fee: £5,250. Total: £21,630.
DBF recommendation: Octane Capital. £20,370 total — cheapest by £1,260 vs Roma, and £6,475 vs Together.
Note: all three lenders are suitable for this case. The rate comparison is what determines the choice.
Terms the same working day — no upfront fees on loans over £1m
The figures above are indicative and describe the best case. Send your own scenario and we will come back the same working day with terms from the lenders that actually fit it.
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- Rates by Lender
No upfront fees on loans over £1m.
Enough detail to price it is the amount, the security, the purpose and how you plan to repay. The rest we can fill in on a call.
Whole of market · 130+ lenders · FCA 814533 · Same working day response
Rate context and outlook
Bank Rate is 3.75% after the 17 September hold, with three MPC votes for a rise and the next decision on 5 November. Bridging pricing follows lender funding costs and swap rates rather than Bank Rate directly.
The latest Bridging Trends average was 0.81% per month, with average LTV of 55% and completion in 46 days. We expect standard-band pricing to hold in the 0.65%–0.95% range through Q4 2026, with upward pressure on the most competitive prime products if swap rates stay high.
Reviewed by David Doulton, Director, Doulton Bridging Finance — over 20 years in property finance. Last reviewed 1 October 2026. Doulton Money Ltd t/a Doulton Bridging Finance, FCA No. 814533.
Frequently asked questions
Which bridging loan lender is cheapest in 2026?
For prime residential at sub-60% LTV with clean credit and a confirmed exit, Octane Capital currently offers some of the most competitive rates at 0.55%–0.70%/month. However, total cost (rate + arrangement fee + exit fee) should be compared, not just monthly rate. DBF models total cost across multiple lenders for every case before recommending.
What is the difference between bridging lenders?
Bridging lenders differ in: rate (0.55%–2%+/month), fee structure (arrangement 1%–2%, exit 0%–2%), appetite for property types, tolerance for adverse credit, speed of processing, and minimum/maximum loan sizes. Some lenders specialise in regulated cases, commercial property, or development exit. DBF's knowledge of which lender suits which case is the core of the service.
Can I go directly to a bridging lender without a broker?
Most bridging lenders work exclusively or primarily through brokers. Lenders like Octane Capital and LendInvest have broker-only distribution for their best products. Going directly to a lender typically means accessing a smaller product range, not being able to compare across multiple lenders simultaneously, and potentially missing negotiated rates available through an active broker relationship.
How do I know which lender is best for my case?
The right lender depends on: LTV, property type, credit profile, required loan size, exit strategy, and speed requirement. DBF assesses all of these factors and matches the case to the most appropriate lender from the 40+ lenders on the panel. Contact DBF with your case details and we will identify the best lender and provide a same-day indicative rate.
Are bridging loan arrangement fees negotiable?
Yes — particularly on larger loans. On loans above £1m, arrangement fees are regularly negotiated down from standard rates. On exceptional cases or repeat business, some lenders will also reduce the monthly rate. DBF negotiates on behalf of clients as standard practice — the negotiation is worth having on any loan above £500,000.
How quickly can a bridging loan complete?
Typically 2–4 weeks; the latest market average is 46 days. Urgent cases with clean title and a quick valuation can complete in 7–10 working days.
What fees come on top of the interest rate?
An arrangement fee of 1%–2%, valuation of about £500–£1,500, legal fees of £1,500–£3,000 for both sides, and on some products an exit fee of up to 1%.
Can the interest be rolled up?
Yes. Most bridges roll interest into the loan and repay it at the end, so there are no monthly payments; serviced and retained interest are also available.
What exit strategies do lenders accept?
A sale, a refinance to a mortgage, or other funds such as an inheritance or business sale. The stronger the evidence, the better the rate.
Can I get a bridging loan with bad credit?
Often, yes. Lenders focus on the property and exit; recent defaults or CCJs usually move you up a pricing band rather than rule you out.
Is a bridging loan regulated?
Only when it is secured on a home you or your family live in or will live in. Investment and business bridges are unregulated.
Where this applies
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Independent whole-of-market advice · FCA No. 814533