United Trust Bank Bridging Rates - October 2026
United Trust Bank (UTB) is one of the most established specialist banks in the UK bridging market. Their strength lies in regulated bridging - chain break, residential purchase and second charge lending for homeowners - alongside solid unregulated appetite for commercial and development exit. Rates below are indicative as at October 2026.
| Product / LTV Band | Rate from (per month) | Typical Use Case | Arrangement Fee | Max Term |
|---|---|---|---|---|
| Regulated Residential 1st Charge - up to 70% LTV Regulated | 0.55%/mo | Chain break, residential purchase, owner-occupied | 1.5–2% | 24 months |
| Standard Residential 1st Charge - 70–75% LTV | 0.59%/mo | Higher LTV residential bridge, BTL exit | 1.5–2% | 24 months |
| Commercial - up to 65% LTV | 0.65%/mo | Commercial property acquisition or refinance | 2% | 24 months |
| Development Exit - up to 65% LTV | 0.65%/mo | Refinance out of development finance on completion | 2% | 24 months |
| 2nd Charge Bridging (Regulated) Regulated | 0.85%/mo | Capital raising for homeowners, avoiding remortgage | 2% | 24 months |
Maximum loan: £15 million. Maximum residential LTV: 75%. Maximum commercial LTV: 70%. Maximum term: 24 months. Arrangement fee: 1.5–2%. Regulated products are subject to FCA conduct of business rules. All lending subject to underwriting, valuation and credit approval.
How United Trust Bank Rates Compare to the Market
UTB's rates are competitive across the board, and particularly strong for regulated bridging - a product area where fewer lenders operate and pricing is less commoditised.
| Product | UTB Rate | Typical Market Range | Verdict |
|---|---|---|---|
| Regulated Residential 1st Charge (to 70% LTV) | From 0.55%/mo | 0.55–0.75%/mo regulated | Market-leading for regulated |
| Standard Residential (70–75% LTV) | From 0.59%/mo | 0.59–0.75%/mo | Competitive |
| Commercial (to 65% LTV) | From 0.65%/mo | 0.65–0.95%/mo | Competitive |
| Development Exit | From 0.65%/mo | 0.65–0.85%/mo | Competitive |
| Regulated 2nd Charge | From 0.85%/mo | 0.85–1.10%/mo regulated | Strong for regulated 2nd charge |
| Max Loan | £15m | Most lenders: £2–5m | Well above average |
Key Features of United Trust Bank Bridging Finance
Regulated Bridging Leader
One of the UK's strongest regulated bridging lenders - a genuine specialist in FCA-regulated products, not just a lender that happens to offer them.
Chain Break & Residential Purchase
Particularly strong for chain break scenarios and straightforward residential purchase bridges - a clear credit appetite, quickly confirmed, with real case ownership.
Case Ownership
UTB assign real case managers with genuine authority. You deal with the same person throughout and don't get passed around between teams.
Non-Standard Construction
Takes a considered, case-by-case approach to non-standard construction including certain steel frame, concrete and timber frame properties - where many lenders decline automatically.
Second Charge for Homeowners
One of the better options in the market for regulated second charge bridging - a product where UTB's regulated expertise directly benefits homeowners needing capital without a remortgage.
Max Loan to £15 Million
Appetite up to £15 million across residential, commercial and development exit - significantly above the £2–5 million ceiling many specialist lenders operate.
Is United Trust Bank Right for Your Deal?
UTB tends to win when…
- The bridging loan is regulated - owner-occupied property, or a homeowner raising capital
- The deal is a chain break or straightforward residential purchase that needs a clear, experienced lender
- You need regulated second charge bridging for a homeowner who can't or doesn't want to remortgage
- The security is non-standard construction and other lenders have been hesitant
- The loan is above £5 million, where UTB's £15 million appetite is relevant
- A clear, consistent credit team with real case ownership matters to you
UTB may not be the best fit when…
- Speed is critical above all else - faster lenders exist for very clean cases
- The security is heavily commercial or mixed-use at higher LTVs - more specialist commercial lenders may be better
- The loan is above £15 million - UTB's maximum
- The exit is weak or unproven - UTB want a credible, demonstrable repayment route
- The transaction involves a highly complex title or offshore structure