Bridging finance

Residential and Commercial Bridging Finance

Short-term loans for properties located in England, Scotland and Wales. Suitable for investment properties only.

Residential Bridging rates from:
0.64% monthly
View details

Commercial Bridging rates from:
0.80% monthly
View details

Residential Bridging

Our Residential Bridging loans have been designed to be fast and flexible, with competitive rates to suit most clients.

Key features

Key features for bridging loans secured against residential property:

Max loan, tier 1: £3,000,000
Max loan, tier 2: £7,500,000
Min loan: £75,000
Max LTV: 75%
Term available: 1 to 12 months
Arrangement fee: 2%
Early redemption fee: No fee

VAT Funding: LendInvest can assist if VAT is payable on a property purchase.

Lending criteria

Required for all bridge loans:

  • Investment properties
  • 1st charge security
  • Properties in England, Scotland, or Wales

Not accepted:

  • Owner/family occupied properties
  • 2nd charge security

Our best Tier 1 rates for:

  • UK residents and companies
  • Freehold, or leasehold with 80+ years

Also considered at Tier 2 rates:

  • Non-UK residents and companies
  • Leasehold with 60+ years
  • HMOs
  • Non-standard construction properties

Residential property bridging rates

Tier 1 rates

Loan to value Monthly rate from
≤ 50% 0.64%
≤ 60% 0.69%
≤ 65% 0.74%
≤ 70% 0.84%
≤ 75% 0.94%

Tier 2 rates

Loan to value Monthly rate from
≤ 40% 0.70%
≤ 50% 0.75%
≤ 60% 0.85%
≤ 65% 0.90%
≤ 70% 0.95%
≤ 75% 0.99%

Download our Residential Bridging product sheet

Inside you’ll find all you need to know about our Residential Bridging loans including: rates, fees and criteria.

Commercial Bridging

Our Commercial Bridging loans have been designed to be fast and flexible to suit most clients.

Key features

Key features for bridging loans secured against commercial property:

Max loan: £7,500,000
Min loan: £75,000
Max LTV: 75%
Term available: 1 to 24 months
Arrangement fee: 2%
Early redemption fee: No fee

VAT Funding: LendInvest can assist if VAT is payable on a property purchase.

View rates

Lending criteria

Required for all bridge loans:

  • Investment properties
  • 1st charge security
  • Properties in England, Scotland, or Wales

Not accepted:

  • Owner/family occupied properties
  • 2nd charge security

We are happy to consider:

  • Commercial and semi commercial property security
  • Land as security
  • Freehold, or leasehold with 60+ years
  • Light refurbishment
  • Heavy refurbishment
  • Minor development (Structural, conversion or extension work that requires planning permission or building regulation approval)

Commercial property bridging rates

Semi-commercial rates

Loan to value Monthly rate from
≤ 40% 0.80%
≤ 50% 0.85%
≤ 60% 0.90%
≤ 65% 0.99%
≤ 70% 1.05%
≤ 75% 1.10%

Commercial rates

Loan to value Monthly rate from
≤ 40% 1.00%
≤ 50% 1.05%
≤ 60% 1.10%
≤ 65% 1.15%
≤ 70% 1.20%

Land rates

Loan to value Monthly rate from
≤ 40% 1.00%
≤ 50% 1.05%
≤ 60% 1.15%
≤ 65% 1.25%
≤ 70% 1.30%

Download our Commercial Bridging product sheet

Inside you’ll find all you need to know about our Commercial Bridging loans including: rates, fees and criteria.

Borrower requirements

Our requirements are generally the same for all borrowers, though we have specific things we check for individual or corporate borrowers.

View individual borrower requirements

View corporate borrower requirements

Valuation and legals

We take our legal and valuation requirements very seriously. Our loan evaluation process is designed to make this as efficient and reliable as possible.

  • Independent security valuation: We will carry out independent valuation of the borrower’s security in order to confirm how much we can lend against the property.
  • Legal conveyance: We will instruct our solicitors to work on your client’s mortgage. Fees are typically charged directly to the borrower by the solicitor.

Read more about the process of submitting business

View a breakdown of typical valuation fees

Speak to us

Get a straight ‘yes we can work with that’ or ‘no we can’t’ within three hours of a call about a bridging loan.

Get a quote

For bridging enquiries, our online quote form will give you an indicative rate and a fast track to speaking with one of our team.