Large Bridging Loan Rates 2026 — Updated October 2026
- prime £1m+
- From c.0.50%/moprime £1m+
- loans over £1m
- No upfront feesloans over £1m
- typical large-loan term
- 9 monthstypical large-loan term
- Last updated
- October 2026Last updated
Loans above £1m attract more competition, so prime cases can price from around 0.50% a month, and private banks can go lower where there is a wider banking relationship. Fees and terms become negotiable. DBF charges no upfront fees on loans over £1m.
Large Bridging Loan Rates — October 2026
Swipe the table sideways to see every column.
| Loan size | Rate per month (prime) | Typical lenders |
|---|---|---|
| £1m–£3m | 0.50%–0.75% | Specialist bridging lenders |
| £3m–£10m | 0.50%–0.70% | Specialists, challenger banks |
| £10m+ | bespoke | Private banks, debt funds |
What a large bridging loan costs: worked example
- Interest (9 months, rolled)
- £101,206
- Arrangement fee 1.5%
- £30,000
- Total before legal and valuation
- c.£131,206
£2,000,000 for 9 months at 0.55% a month, rolled.
A 0.05% better rate saves about £9,300.
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.
- Enquiry type
- Bridging Loan
- About
- Large Bridging Rates
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
Do large loans get lower rates?
Usually — lenders compete harder and margins can be negotiated.
Can the loan be secured on several properties?
Yes; cross-collateralisation is common and can improve terms.
How fast can £5m complete?
Two to four weeks with clean title and valuation.
Are fees negotiable on large loans?
Yes. Arrangement fees of 1% or less and no exit fee are common above £2m.
Can a large bridge fund a purchase and refurbishment?
Yes, with works funds released in stages.
Do private banks require other business?
Often they expect investments or deposits with the bank as part of the relationship.
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