Hope Capital Bridging Rates - October 2026
Hope Capital is an owner-managed specialist bridging lender with a strong reputation for speed and pragmatic underwriting. They are particularly active in light and heavy refurbishment lending, and a trusted choice for developers who need a decision quickly. Rates below are indicative as at October 2026.
| Product / LTV Band | Rate from (per month) | Typical Use Case | Arrangement Fee | Max Term |
|---|---|---|---|---|
| Prime Residential 1st Charge - up to 65% LTV | 0.55%/mo | Clean residential purchase or refinance | 2% | 18 months |
| Standard Residential 1st Charge - 65–75% LTV | 0.65%/mo | Higher LTV residential, chain break | 2% | 18 months |
| Light Refurbishment - 1st Charge | 0.65%/mo | Cosmetic works, kitchens, bathrooms, decorating | 2% | 18 months |
| Heavy Refurbishment - 1st Charge | 0.79%/mo | Structural works, conversions, extensions | 2% | 18 months |
| Commercial - up to 60% LTV | 0.75%/mo | Commercial property acquisition or refinance | 2% | 18 months |
| 2nd Charge Bridging | 0.95%/mo | Capital raising against existing property | 2% | 18 months |
Maximum loan: £5 million. Maximum residential LTV: 75%. Maximum commercial LTV: 60%. Maximum term: 18 months. Arrangement fee: 2%. Rates are indicative only and subject to underwriting, valuation and credit approval.
How Hope Capital Rates Compare to the Market
Hope Capital's rates are in line with or slightly above the cheapest tier, but the value proposition is speed and credit flexibility - particularly on refurbishment cases where faster lenders are far fewer.
| Product | Hope Capital Rate | Typical Market Range | Verdict |
|---|---|---|---|
| Residential 1st Charge (to 65% LTV) | From 0.55%/mo | 0.50–0.65%/mo | Competitive |
| Residential 1st Charge (65–75% LTV) | From 0.65%/mo | 0.59–0.75%/mo | Mid-market |
| Light Refurbishment | From 0.65%/mo | 0.65–0.85%/mo | Competitive for speed |
| Heavy Refurbishment | From 0.79%/mo | 0.75–1.00%/mo | Competitive with 3–5 day speed |
| Commercial (to 60% LTV) | From 0.75%/mo | 0.65–0.95%/mo | Mid-market |
| Completion Speed | 3–5 days (clean cases) | 2–4 weeks typical | Fastest tier in the market |
Key Features of Hope Capital Bridging Finance
Speed of Completion
3–5 working day completions on clean residential cases - one of the genuinely fastest bridging lenders in the UK market.
Owner-Managed Decisions
No credit committee delays. Decisions are made by principals who understand property, meaning faster responses and more pragmatic outcomes on unusual cases.
Refurb Specialism
Particularly strong on light and heavy refurbishment lending, with experience in properties in varying states of condition that other lenders won't consider.
Short Leases Accepted
Will lend on leasehold properties with as little as 50 years remaining - significantly lower than the 70–85 year minimum most lenders impose.
Broker-First Approach
Hope Capital work exclusively through brokers and treat the broker relationship seriously - consistent criteria, reliable communication, and no direct-to-borrower undercutting.
Developer-Friendly
Popular with property developers for refurb projects up to £5 million. Understanding of development timelines and realistic about exit routes.
Is Hope Capital Right for Your Deal?
Hope Capital tends to win when…
- Speed is paramount - you need to exchange or complete within days, not weeks
- The property needs light or heavy refurbishment that other lenders decline
- The lease is short (as low as 50 years) and other lenders have said no
- You want an owner-managed lender who makes their own decisions quickly
- The loan is up to £5 million and you're working with a broker they know and trust
- You're a developer who needs a reliable, experienced refurb lending partner
Hope Capital may not be the best fit when…
- You need a loan above £5 million - they don't lend at that size
- The loan is over 18 months - other lenders offer up to 24–36 months
- Commercial LTV above 60% is required - their commercial cap is lower than some peers
- You want the absolute cheapest residential rate regardless of speed
- The security is outside England and Wales