Compare Bridging Loans
As a leading specialist bridging loan broker since 2004, our aim is to help you source the best possible financing for your property project.
Finding the best deal for bridging finance
With more than 500 bridging finance lenders and 150 development finance lenders at our fingertips we know the bridging market better than anyone. Our specialist advisors take out the confusion and guide you every step of the way so your bridging finance application is smooth and you get the best result for your project.
Bridging loan lender comparison
With our bridging lender comparison table you can easily compare indicative rates, LTVs and criteria for different lenders.
Browse down the table to compare bridging options to ensure you find the right product for you or contact us for a bespoke bridging finance quote. If your need is urgent, we will be back to you within the hour.
Before the application is submitted to a lender a thorough review of the proposal will be carried out by our in-house underwriters, maximising your chance of success.
Once checked, your application will then be submitted to the lender for an agreement in principle.
| Type | LTV | Interest Rate | Minimum Loan | Maximum Loan | Loan Term | Arrangement Fee | Exit Fee | Credit Requirements | Apply Now |
|---|---|---|---|---|---|---|---|---|---|
| Unregulated residential non status valuation only bridging loans in England | Maximum LTV 65% | BBR + 8%pa | £50,000 | £1,500,000 | 3-24 Months | 2% | N/A | None | Apply Now |
| Prime unregulated residential bridging loans in the South of England | Maximum LTV 75% | 0.9% | £75,000 | £50,000,000 | 3-24 Months | 1% | N/A | Clean Credit | Apply Now |
| Development exit bridging loan south of England | Maximum LTV 75% | 0.95% | £200,000 | £25,000,000 | 3-24 Months | 2% | N/A | Clean Credit | Apply Now |
| Second charge unregulated bridging loan in England | Maximum LTV 65% | 1.25% | £100,000 | £5,000,000 | 3-24 Months | 2% | N/A | None | Apply Now |
| Prime unregulated residential bridging loans England | Maximum LTV 75% | 0.95% | £75,000 | £5,000,000 | 3-24 Months | 2% | N/A | Clean Credit | Apply Now |
| Semi commercial bridging loans | Maximum LTV 70% | 1% | £100,000 | £10,000,000 | 3-24 Months | 2% | N/A | None | Apply Now |
| Commercial bridging loans in South East England | Maximum LTV 65% | 1% | £200,000 | £25,000,000 | 3-24 Months | 2% | N/A | Clean Credit | Apply Now |
| Unregulated residential refurbishment bridging loans England | Maximum LTV 73% net +100% refurb cost | 0.95% | £150,000 | £10,000,000 | 3-24 Months | 2% | N/A | Clean Credit | Apply Now |
| Prime unregulated residential bridging loans in London and South East of England | Maximum LTV 70% | 0.8% | £1,000,000 | £30,000,000 | 3-24 Months | 2% | N/A | Clean Credit | Apply Now |
| Land bridging loans in the South of England | Maximum LTV 65% | 1.15% | £1,000,000 | £30,000,000 | 3-24 Months | 2% | N/A | Clean Credit | Apply Now |
Bridging loan application process
Bridging loans are not complicated, but you should have necessary information ready. Rates vary on lenders, thus always have the correct advice before entering any commitment.
Primary stages involved:
- Determine the needs -Loan amount, period, plan for exit, type of interest (capital/income/part), the loan on SPV or individual name, previous negative history.
- Prepare documents – Auction pack, appraisal, title/CGI/plans, relevant planning permissions, C.V., assets & liabilities statement, your credit report,AST/lease, any supportive information required.
- Choose lenders – Consult the comparison table on the top for the required loan rate, LTV and lending criteria.
- Submit an enquiry- either on-line or by speaking to an adviser.
- Obtain an initial decision- typically within 24 hrs. Usually less than 2 hrs for basic cases.
- Valuation – appointed within 1 week; normally within 10 working days for complex assets.
- Legals – completed in a subsequent week; overall completion can be reached in 3-4 weeks, or in 1-2 weeks when the application is of an urgent nature.
Bridging loan costs versus what counts.
Clients focus on the lowest rate, or that it’s “too expensive”. But every finance method has an opportunity cost; a mix of speed, flexibility and price. The extremes are:
- Ultra-fast private money, no valuation, minimum checks, cash within days, at a cost of more cash.
- Ultra-cheap bank rates, cheap cash with delays, restrictive, inflexible and refused by the credit committees.
Instead of these extremes what really matters is that Bridging loans should ideally:
- Quick decision process – vital if a deal is time critical and competitive.
- Flexible criteria – suits un-mortgageable, under-valued or complicated property, if the terms are affordable.
- Better cash flow – roll up interest, no repayments during the term of the loan.
- Higher LTVs – maximum 75% on value, not purchase price.
- Non-status options – a client’s credit profile often acceptable.
- Minimal underwriting – limited paperwork; no income checks or a valuation may be bypassed by some lenders.
The cost of bridging finance could be higher but is it worthwhile if the deal is lucrative and not achieved at all with another facility?
Tiger Financial – Why trust us?
Tiger Financial are market-leading brokers specialising in urgent bridging and development finance for residential and commercial UK projects. We are quick, responsive, and always there for you when it’s required.