Compare UK Bridging Loans from 200+ Lenders
Fast, flexible short-term property finance for investors and developers. Rates from 0.55% per month. Decision in Principle the same day.
What do you need the finance for?
Select the option that best describes your requirement.
200+ Lenders
Whole of market access
From 0.55% pcm
Rates from today
24hr DIP
Same-day decisions
Whole of Market
Independent broker
No Obligation
Free initial quote
£500m+ Arranged
Proven track record
Indicative Bridging Rates Today
Representative rates from our lender panel — final pricing is case-specific. Rates correct as of October 2026.
| Product | Rate from |
|---|---|
| Residential Bridging (1st charge) | 0.55% pm |
| Regulated Bridging | 0.50% pm |
| Commercial Bridging | 0.65% pm |
| Light Refurbishment | 0.55% pm |
| Heavy Refurbishment / Conversion | 0.70% pm |
| Development Exit | 0.55% pm |
| Auction Finance | 0.60% pm |
| Land Bridging (with planning) | 0.75% pm |
How Bridging Finance Works
Our end-to-end process from first enquiry to funds in your account — and through to seamless exit.
Initial Enquiry & Consultation
Tell us your loan purpose, amount, property details, and exit strategy. We issue a Decision in Principle (DIP) typically within the same working day — no credit footprint at this stage.
Lender Search & Tailored Quote
We search 200+ specialist lenders on your behalf and present a personalised quote showing rate, fees, LTV, and term — with a clear cost-of-borrowing comparison so you can make an informed decision.
Valuation & Underwriting
A RICS-qualified surveyor values the security property. The lender's underwriting team assesses LTV, exit strategy, and borrower profile. Typical arrangement fee: 1–2% of the loan.
Formal Offer & Legal Pack
You receive a binding facility letter. Solicitors on both sides carry out due diligence, register the charge, and prepare for drawdown. Most regulated bridging completes within 7–14 days from offer.
Drawdown & Funding
Funds are released directly to your solicitor to complete the purchase, refurbishment, or refinance. You can track progress at every stage through our client portal.
Exit & Redemption
Execute your pre-agreed exit — sale, remortgage, or term loan. Most lenders allow early repayment without penalty. We manage the redemption process and can arrange the next facility if needed.
Why James William & Co Capital?
Independent. Whole-of-market. Structured around your deal.
Whole of Market
Access to 200+ bridging lenders — high street banks, challenger lenders, and private credit funds — not a restricted panel.
Speed When It Counts
Auction deadlines, chain breaks, and time-sensitive purchases are our core strength. Same-day DIP as standard.
Client-First Advice
We act in your interest, not the lender's. Full advice and documented suitability on every case.
Structured for Success
We don't just place loans — we structure deals. Correct LTV, right lender, strong exit: the combination that gets offers issued.
Experienced Team
Property finance specialists who have arranged bridging, development, and commercial loans across the full spectrum of asset classes.
Transparent Pricing
We present all-in cost of borrowing including arrangement, valuation, and legal fees — so you compare deals honestly.
Frequently Asked Questions
Common questions about bridging finance, answered clearly.
Ready to Find Your Lender?
Get matched to the right bridging lender in minutes. No obligation, no credit footprint at enquiry stage.
James William & Co Capital is an appointed representative of a firm authorised and regulated by the Financial Conduct Authority. Bridging loans are secured against property. Your property may be repossessed if you do not keep up repayments. Privacy Notice