Compare 21 top UK bridging loan lenders to find the lowest interest rates for the loan amount and term you need.
- Quick Funding
- Great Customer Support
- High Loan Limit
- High Max. LTV
- Not Available in Scotland
- No 2nd Charge Loan Available
- Limited Range of Bridging Products
Eligibility Criteria
Nationality – UK and foreign nationals with a 3-years residency history
Legal – You must be represented by a reputable law firm with a minimum of 3 partners
Credit History – You should provide a written explanation of any adverse credit history (CCJs, Missed Payments, Bankruptcies)
- Unusual Borrower Profiles
- Quick Funding
- Great Range of Borrowing Options
- Fees on the Higher Side
Eligibility Criteria
Nationality – UK & Nont-UK Nationals
Property Location – England, Scotland and Wales
Credit History – Max. 2 CCJS, Defuaults or Arrears in the last 12 Months
- Competitive Rates
- High Maximum LTV
- No Minimum Income Requirement
- No Experience Needed
- Discounts for Regular Customers
- Fast Funding
- Instructions can be Unclear
- No Branches
- Limited Financing Options
Eligibility Criteria
Age Range – 21 to 80 Years Old
CCJs – no Unsatisfied CCJs in the last 24 Months
Property Location – England, Wales & Scotland
- Competitive Rates
- Automated Valuation Available
- Fast Track Service Available
- Interest Calculated Daily
- No Early Repayment Charges
- No Mandatory Monthly Repayment
- Fees on the Higher Side
- Some Application Process Delays
Eligibility Criteria
Location – England, Scotland & Wales
Interest Payment Method – Rolled-up / Serviced
- All Property Types Accepted as Security
- Complex Offshore Structures Considered
- Quick Processing
- Targetted as Experienced Property Businesses
Eligibility Criteria
Borrower – Must be 18 years old, no maximum age
Location – England, Wales & Mainland Scotland
Exit Strategy – Evidenced, robust exit strategy required
- Interest can be rolled, retained or serviced
- No Early Repayment Charges
- Dual legal representation is available
- Adverse Credit Can be Considered
- No Search Indemnity
Eligibility Criteria
Borrower – Aged between 21 and 80 / UK & EEA Nationals With 3 Years Residential History.
Loan – Located in England, Wales & Scotland
Property – Every Standard Construction Type is Accepted
- Flexible on the Borrower's Experience
- Adverse Credit Considered
- Some Customer Support Issues Have Been Raised
Eligibility Criteria
Accepted Applicants – UK individual / LTD Co/ LLP Offshore LTD Co
Age – 21 to 85
CCJs – Maximum £10k CCJs in the past 24 months, settled
Missed Mortgages Payments – Up to 4 in the last 12 months / None in the last 6
Bankruptcy / IVA / CVA – It must be more than three years since your last one
Location – England & Wales
- Flexibility
- 100% Funding Available (With Additional Security)
- Inexperienced Developers are Welcome
- Some Customer Support Raised
Eligibility Criteria
Accepted Borrowers – Individuals, partnerships, limited companies, trusts, offshore companies, SiPPS and LLPS
Minimum Age – 18
Location – England, Wales, and Scotland (for Scotland, postcode restrictions apply)
- Competitive Rates
- Quick Funding
- Underwriting From Day 1
- Some Customer Issues Have Been Raised
Eligibility Criteria
Accepted Applicants – Individuals, Self-Employed, LTDs, LLPs, SPVs, Foreign Nationals, Offshore Companies, Trusts
Age Range – 21 to 85 Years Old
Location – England & Wales
Nationality – All applicants considered from any country other than a sanctioned/blacklisted country
- Quick Funding
- First-Time Buyers and Lenders Accepted
- No Exit Fee
- No ERC
- Strict ID Process
Eligibility Criteria
Accepted Applicants – Individuals, SPV and Limited Companies
Age – 18 – 85
Location – England, Scotland, Wales and Northern Ireland
- Same-Day Credit Backed Terms
- Experience is not Always Required
- No Exit Penalties
- 1st Charge Only
- Some Delays Have Been Mentioned
Eligibility Criteria
Accepted Securities – All types of residential property / Semi-commercial property / Commercial property / MUFBs / HMOs / Student lets
Interest Repayment – Rolled-up, Serviced or Retained
- Flexible on Interest Repaynment Method
- No ERC
- No Exit Fee
- Process can be Bureaucratic
Eligibility Criteria
Borrower age – Must be at least 21 years old at the time of application and no more than 85 years old at the end of the loan term.
Borrower type – Individuals, limited companies, SPVs, and experienced landlords are all accepted. Limited companies must have a maximum of 4 qualifying directors.
Loan purpose – Loans are available for purchase, refinance, or light refurbishment.
- Dedicated underwriter
- Interest is calculated daily
- Adverse credit is considered
- Fees on the Higher Side
Eligibility Criteria
Accepted Applicants – Individuals, Self-Employed, LTDs, LLPs, SPVs, Foreign Nationals, Off-Shore Companies, Trusts
Location – England, Wales & Scotland
Interest Payment Method – Fully Retained / Partly Retained and Serviced Monthly / Serviced Monthly
- Fully Integrated and Easy to Use Portal
- No Income or Affordability Proof
- Free Legal and Valuations
- Fees on the HIgher Side
Eligibility Criteria
Age – 21 – 75
Residential Status – UK resident for 36+ months and current UK tax resident
Exit – Realistic strategy required, including sale, inheritance, remortgage
- No early repayment charges or minimum interest periods.
- Interest can be rolled up or retained.
- Subject to KYC and Title Insurance
- Fees on the Higher Side
Eligibility Criteria
Borrower’s Nationality – UK, EU, Channel Islands, Switzerland, USA, Canada, Australia, New Zealand or BVI
Location – England & Wales
- No funding delays
- No credit check for most products
- Get a decision in principle in 30 minutes
- Adverse credit borrowers are accepted
- Limited Product Range
Eligibility Criteria
Accepted Applicants – Limited companies, SIPPs, LLPs, ex-pats, Non-UK nationals, Self-employed, IVAs, CVAs, Credit Impaired, Owner, Occupiers, and Bankrupts
Location – United Kingdom [Excluding Northern Ireland]
Credit Check – Clean credit required for low-rate loans
Exit Strategy – An evidenced exit strategy is required for low-rate loans
Proof of Income – Proof is required for low-rate loans
- Easy Process
- Transparent
- Wide Acceptance of Credit Profiles
- High Fees
Eligibility Criteria
Minimum Age – 18
Location – England & Wales
Credit Profile – All types of credit history are considered
- Interests can be retained or serviced
- No early repayment fee
- No exit fee
- Funding up to 100% of the purchase price for BMV purchases
- Strict ID Check
Eligibility Criteria
Accepted Applicants – UK registered or domiciled company (Limited / Non-Limited)
Applicants Location – England, Wales and Scotland
Property Purpose – Business purpose only
Exit Strategy – Robust Strategy Required
- Unrestricted access to underwriting
- Interest can be rolled up, serviced, or part/part
- Most bridging cases are completed within 28 days
- Any level of experience is considered
- High Fees
- Large Amount of Paperwork
Eligibility Criteria
Accepted Applicants – Individuals, Limited Companies and LLPs
Expats and Overseas Residents – Must have a credit footprint and a UK bank account
Experience Level – Any level considered
Location – England, Wales and Scotland
- No ERC
- No Credit Scoring
- Interests can be retained, serviced and part/part
- Administrative Hiccups Have Been Mentioned
Eligibility Criteria
Accepted Applicants – Individuals, LTDs, LLPs, Non-EEA, Expats, Offshore Companies
Age Range – 21 – 85
First-Time Landlords – Accepted
- Quick Funding
- Most Property Types are Accepted as Securities
- Some Terms and Fees are Unclear
Eligibility Criteria
Accepted Borrowers – Individuals, partnerships, LTDs, LLPs, Offshore companies
Location – England, Scotland & Wales
- Quick Funding
- Flexible Interest Payment Method
- Staged Facilities
- Costs on the Higher Side
Eligibility Criteria
Accepted Applicants – Individuals / Partnerships / Limited Companies
Age – 21 to 70
Location – England, Wales & Scotland
Missed Payments – No missed payments in the last 12 months
- Quick Funding
- All Credit Profiles are Considered
- Same-Day Legal
- A Limited Number of Customer Feedback
Eligibility Criteria
Location – England, Scotland & Wales
- Quick Funding
- Flexible on Borrower Profile
- Low Max LTV
- Low Max Amount
Eligibility Criteria
Acceptable Applicants – Individuals, Partnerships, Sole Traders, Limited Companies and LLPs. For Corporate Customers, we will consider both UK and non-UK based corporate entities.
Loan Purpose – Mint will consider lending for any legal business purpose.
Second Charge – Mint may consider a second charge behind an existing bridging loan with another lender or where our security is not the method of exit providing – The primary lender is a member of UK Finance (Replaced CML) / The existing 1st charge has a minimum of 5 years remaining / Evidence of 1st charge conduct is provided.
