Bridging Loan Rates by LTV 2026 — Updated October 2026
- from, under 55% LTV
- 0.55%from, under 55% LTV
- market average
- 0.81%market average
- average LTV
- 55%average LTV
- Last updated
- October 2026Last updated
LTV is the biggest single driver of a bridging rate. In October 2026 rates start at 0.55% a month below 55% LTV and rise in steps to around 1% at 75%. The average bridging loan is at 55% LTV and 0.81% a month.
Bridging Loan Rates by LTV — October 2026
Swipe the table sideways to see every column.
| LTV | Rate per month | Annual equivalent |
|---|---|---|
| Up to 55% | 0.55%–0.65% | 6.6%–7.8% |
| 55%–60% | 0.60%–0.70% | 7.2%–8.4% |
| 60%–65% | 0.65%–0.80% | 7.8%–9.6% |
| 65%–70% | 0.70%–0.90% | 8.4%–10.8% |
| 70%–75% | 0.80%–1.00% | 9.6%–12.0% |
| 75%–80% | 0.95%–1.25% | 11.4%–15.0% |
What each LTV step costs on a bridging loan: worked example
- At 0.60% (60% LTV)
- £18,272
- At 0.75% (70% LTV)
- £22,926
- At 0.90% (75% LTV)
- £27,615
- Moving from 75% to 60% LTV saves
- about £9,300 on interest alone
£500,000 for 6 months, interest rolled.
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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- Bridging Rates by LTV
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
What is the maximum LTV on a bridging loan?
Usually 75% on a first charge; 80% is possible with extra security.
Can extra security lower my LTV?
Yes — a second property can bring the combined LTV into a cheaper band.
Is LTV measured on purchase price or value?
On the lender's valuation, which can differ from the price.
Does rolled-up interest count towards LTV?
Yes. Lenders measure gross LTV including interest and fees, so a 70% net loan can be nearer 75% gross.
What is net versus gross LTV?
Net is the cash you receive against value; gross adds rolled interest and fees. Always compare quotes on the same basis.
Can I lower my rate mid-term?
Not usually, but a partial repayment can let you refinance into a cheaper band.
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.
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Independent whole-of-market advice · FCA No. 814533