Latest bridging rates for November 2024
Bridging & development finance from £25,000
We are not a comparison website, a lead-generator, or sales centre. Our professional in-house bridging loan advisers are highly experienced, and qualified, and EquityOne Finance Limited is authorised and regulated by the Financial Conduct Authority FRN 733649
Complete our secure form to obtain your bridging loan decision in principle today, detailing the interest & fees ...
Excellent job, very efficient ...
5/5“We would like to thank you for all your hard work. I realise we have been quite full on with the pressure of trying to redeem our mortgage within a week. We know that you have gone above and beyond your job role. I would like EQUITYONE to realise your worth. If I owned my own business I would definitely have you on my payroll. Excellent job, very efficient, working at pace to my requested dead line. This has been recognised and appreciated"
That’s super helpful ...
5/5“Thanks so much for the update. Really appreciate you keeping us informed, it makes a world of difference to me and my wife. It reinforces our confidence that everything is in hand for a quick completion on Friday. That's super helpful and really efficient, thanks again"
Can’t thank you enough ...
5/5“Thank you so much for all you have done to help us, you have no idea how grateful we are. You've helped us to not only purchase our forever home but to also provide a lovely family home for our children to grow up in. I can’t thank you enough. You are fabulous at what you do and your constant reassurance, help and guidance made the whole thing a lot less stressful. All the best, & thank you again”
For straightforward bridging loans, this market-leading bridging product offers a very competitively priced & flexible option for FCA regulated and non-regulated bridging loans at up to 75% loan-to-value. Suitable for many uses, including:
Key features | Current at November 2024 |
Min loan: | £ 25,000 |
Max loan: | £ no max |
Interest rate:Rate: | from 0.55% pcm |
Max LTV: | 80% |
Security: | First & second charges |
Term: | 1 - 36 months |
Tenure: | Freehold / leasehold |
Facility fee: | 0.5% - 2% on completion |
ERC / Exit fee: | not usually required |
Monthly payments: | None required (options to roll or service interest) |
Locations: | England, Scotland & Wales |
You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...
When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...
Applications can be accepted for who meet the following criteria:
Lending outside of these limits can be considered subject to underwriter review, please contact us for further details
Applications can be accepted for companies meeting the following criteria:
Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.
This light-refurbishment bridging loan product accommodates refurbishments where no planning permission is required, and there is no overall change to the structure resulting in an increased footprint of the property. Also available where works are being completed under Permitted Development Rights. FCA regulated and non-regulated bridging loans.
Key features | Current at November 2024 |
Min loan: | £ 50,000 |
Max loan: | £ 5 million |
Interest rate:Rate: | from 0.74% pcm |
Max LTV: | 75% (100% of build cost) |
Security: | First or Second charges |
Term: | 3-36 months (3-12 months for regulated) |
Tenure: | Freehold |
Facility fee: | 0.5% - 2% on completion |
ERC / Exit fee: | not usually required |
Monthly payments: | None required (options to roll or service interest) |
Locations: | England, Scotland & Wales |
You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...
When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...
Applications can be accepted for who meet the following criteria:
Lending outside of these limits can be considered subject to underwriter review, please contact us for further details
Applications can be accepted for companies meeting the following criteria:
Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.
Our heavy refurbishment Bridging loans offer competitive rates many types of project where structural reconfigurations are required such as extensions to existing properties where planning permission is required. FCA regulated and non-regulated bridging loans.
Key features | Current at November 2024 |
Min loan: | £ 50,000 |
Max loan: | £ 50 million |
Interest rate:Rate: | from 0.79% pcm |
Max LTV: | 85% (100% of build cost) |
Security: | First & second charges |
Term: | 1-24 months (3-12 months for regulated) |
Tenure: | Freehold, or leasehold with 50+ years |
Facility fee: | 0.5% - 2% on completion |
ERC / Exit fee: | not usually required |
Monthly payments: | None required (options to roll or service interest) |
Locations: | England, Scotland, & Wales |
You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...
When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...
Applications can be accepted for who meet the following criteria:
Lending outside of these limits can be considered subject to underwriter review, please contact us for further details
Applications can be accepted for companies meeting the following criteria:
Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.
This commercial bridging finance is designed for the purchase or remortgage of commercial and semi-commercial property including shops and offices, until long-term finance can be arranged, and is available on a first and second charge basis.
Key features | Current at November 2024 |
Min loan: | £ 50,000 |
Max loan: | £ no max |
Interest rate:Rate: | from 0.89% pcm |
Max LTV: | 75% (100% with additional security) |
Security: | First & second charges |
Term: | 1 - 36 months |
Tenure: | Freehold, or leasehold with 50+ years |
Facility fee: | 0.5% - 2% on completion |
ERC / Exit fee: | not usually required |
Monthly payments: | None required (options to roll or service interest) |
Locations: | England, Scotland, & Wales |
You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...
When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...
Applications can be accepted for who meet the following criteria:
Lending outside of these limits can be considered subject to underwriter review, please contact us for further details
Applications can be accepted for companies meeting the following criteria:
Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.
Our bridging loans for land have been designed to be fast and flexible, with competitive rates to suit most land transactions, including land with or without planning permission. Available to individuals, partnerships, LLPs, Ltd companies, offshore companies, foreign nationals, trusts, and pension funds
Key features | Current at November 2024 |
Min loan: | £ 50,000 |
Max loan: | £ no max |
Interest rate:Rate: | from 1.10% pcm |
Max LTV: | 70% (with planning) / 65% (without planning) |
Security: | First & second charges |
Term: | 1 - 36 months |
Tenure: | Freehold |
Facility fee: | 0.5% - 2% on completion |
ERC / Exit fee: | not usually required |
Monthly payments: | None required (options to roll or service interest) |
Locations: | England, Scotland, & Wales |
You could save the cost of a full physical valuation with an automatic desktop valuation, which are available FREE OF CHARGE for standard bridging loans, provided the following criteria are met ...
When multiple properties are used as security, an AVM can be used for each property. If an AVM cannot be used, a physical valuation will be required. Desktop valuations are not available for the following property types ...
Applications can be accepted for who meet the following criteria:
Lending outside of these limits can be considered subject to underwriter review, please contact us for further details
Applications can be accepted for companies meeting the following criteria:
Personal guarantees may be required for directors and shareholders. This will usually be subject to the company having a maximum of 4 qualifying directors and shareholders.
Lending available many property types, or on land, agricultural land, land with or without Planning Permission, small parcels of land, or 100s of acres of land.
Lending to Individuals, companies (personal guarantees required), partnerships, trustees of clubs, friendly societies, SIPPs. We also lend to individuals with adverse credit including CCJs, no credit checks or status enquiries required.
Key features | Current at November 2024 |
Min loan: | £ 30,000 |
Max loan: | £ 2,000,000 |
Interest rate:Rate: | from 0.90% pcm |
Max LTV: | 65% of the 90 day value (or purchase price, whichever lower) |
Security: | First & second charges |
Term: | Open-ended |
Facility fee: | 2.5% on completion (minimum £2,500) |
Exit fee: | 3 months interest |
Monthly payments: | Interest can be serviced or retained |
Locations: | England and Wales |
This overdraft facility is one of the latest and most innovative products providing you with liquidity on tap. It is the perfect facility to use for site acquisitions, property auction purchases or to fund work-in-progress. It is effectively an overdraft that is secured on property that can provide multiple drawdowns on demand, which can be repaid or reduced and redrawn.
Available for 2 years it provides drawdowns on demand which can be repaid or redrawn over and over again. Interest is charged on the balance outstanding and can be serviced. This also avoids expensive, repetitive setting-up costs. Secured on Investments and owner-occupied residential or commercial property:
Key features | Current at November 2024 |
Min loan: | £ 250,000 |
Max loan: | £ 2 million |
Interest rate:Rate: | Please call |
Max LTV: | up to 70% |
Security: | First or Second charges |
Term: | 1 - 36 months |
Tenure: | Freehold |
Facility fee: | 2% |
ERC / Exit fee: | not usually required |
Non-utilisation Fee: | 0.2% pm (on undrawn balance) |
Locations: | England, Scotland, & Wales |
These development finance solutions have been designed to be fast and flexible, with competitive rates to suit a wide range of property developments, large or small. Planning gain finance is available enabling property professionals to secure developments which have not yet received the planning permission, helping to fund asset acquisitions, planning surveys and applications costs in arrears.
Key features | Current at November 2024 |
Min loan: | £ 150,000 |
Max loan: | £ no max |
Interest rate:Rate: | from 0.66% pcm |
Max LTV: | 80% (100% of build cost) |
Security: | First charges |
Term: | Open-ended |
Tenure: | Freehold |
Facility fee: | 0.5% - 2% on completion |
ERC / Exit fee: | not usually required |
Monthly payments: | None required (options to roll or service interest) |
Locations: | England, Scotland, & Wales |
Use our Development Loan Calculator to work out your loan interest and costs ...
Development Loan CalculatorComplete our secure form to obtain your bridging loan decision in principle today, detailing the interest & fees ...
Excellent job, very efficient ...
5/5“We would like to thank you for all your hard work. I realise we have been quite full on with the pressure of trying to redeem our mortgage within a week. We know that you have gone above and beyond your job role. I would like EQUITYONE to realise your worth. If I owned my own business I would definitely have you on my payroll. Excellent job, very efficient, working at pace to my requested dead line. This has been recognised and appreciated"
That’s super helpful ...
5/5“Thanks so much for the update. Really appreciate you keeping us informed, it makes a world of difference to me and my wife. It reinforces our confidence that everything is in hand for a quick completion on Friday. That's super helpful and really efficient, thanks again"
Can’t thank you enough ...
5/5“Thank you so much for all you have done to help us, you have no idea how grateful we are. You've helped us to not only purchase our forever home but to also provide a lovely family home for our children to grow up in. I can’t thank you enough. You are fabulous at what you do and your constant reassurance, help and guidance made the whole thing a lot less stressful. All the best, & thank you again”
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
Lowest 2024 Bridging rates available ...
Get your BEST RATE today ...
EquityOne Finance Limited is authorised & regulated by the Financial Conduct Authority FRN: 733649
Our advisors are qualified with a Certificate in Mortgage Advice and Practice
We are registered with the Information Commissioner's Office (ICO)
Proud members of the National Association of Commercial Finance Brokers
Data protection compliant under General Data Protection Regulation
Representative example
For example: Based on an interest only regulated bridging loan of £100,000 for a maximum 12-month period on a fixed rate of 0.79% per month, payable at the end of the term. The total amount payable would be £111,902 made up of the loan amount plus interest of £9,902, and fees of £2,000. The overall cost for comparison is 11.9% APR representative. Please note that this example is for illustrative purposes only and the actual terms and conditions of a bridging loan may vary depending on the lender and the individual circumstances of the borrower. It's important to carefully review all terms and conditions before agreeing to a loan.
BOE Base Rate: 5.00%
We’ve teamed up with Aro Mortgages, one of the UK’s leading second-charge mortgage distributors, to help you find the financial solution that you’re looking for. Aro Mortgages believe that when it comes to your finances, you should be in control. That’s why they work closely with you to fully understand your needs, allowing them to accurately match you with credit options that are right for you and your finances. EquityOne Finance Ltd acts as a credit broker and earns a commission if you choose to take out a loan. A soft credit check will be done to provide your loan quote - this WILL NOT affect your credit rating. Your chosen lender may carry out a full credit check if you proceed to application.
Company name: Freedom Finance Mortgages Limited, trading as Aro Mortgages, is an appointed representative of Freedom Finance Limited Registered address: Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England & Wales 14203395 VAT registration number: 428 9790 42 FCA number: 979210
Representative example
14.26% APRC Representative (variable). Representative example, if you choose to add fees to the loan: assumed borrowing of £25,000 over 7 years, plus a broker fee of £2,850 and lender fee of £367.50 would result in monthly repayments of £509.96, the borrowing rate is 12.78%, the APRC is 14.26% (variable), total charge for credit would be £14,619.14 and the total amount payable would be £42,836.64. EquityOne Finance Ltd and Freedom Finance Limited are credit brokers and not lenders. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
BOE Base Rate: 5.00%