UK bridging finance rates have dropped below 0.55% monthly for the first time since Q1 2024. For borrowers with strong security, we are seeing terms as low as 0.49% from three lenders in our network. If you have been waiting to refinance, restructure, or acquire, the window is open.
What has changed
The combination of two consecutive base rate holds, increased competition among specialist lenders, and a cooling in demand for short-term development finance has pushed bridging rates down across the board. We have seen the most significant movement in the sub-GBP 5M space, where lenders are actively competing for quality borrowers.
Prime residential: where the best bridging terms are available right now.
What this means for you
Portfolio restructuring
If you hold multiple properties with legacy finance arrangements, now is the time to consolidate. We are securing terms that reduce monthly costs by 15-25% on existing bridging facilities.
Acquisition finance
For auction purchases, chain-break situations, or time-sensitive acquisitions, current rates make bridging significantly more cost-effective than 12 months ago.
Development exit
Developers exiting construction finance into short-term bridging while marketing completed units are seeing much better terms than Q4 2025.
Recent completion
GBP 3.2M bridging facility, prime Central London
0.52%
Monthly rate
65%
LTV
8 days
To completion
Client needed to complete on a prime residential acquisition within two weeks. Standard mortgage timeline was 8-10 weeks. We secured bridging at 0.52% monthly with a 12-month term, completing in 8 working days. The client has since refinanced onto a long-term mortgage at their leisure.
How we access these rates
MillionPlus maintains direct relationships with over 500 specialist lenders. When rates move, we know immediately because we are in daily contact with the credit teams. This is not information that reaches comparison websites or high-street brokers for weeks.
Is this relevant to you?
If you are considering a property acquisition, refinance, or portfolio restructuring, I am happy to run the numbers. No obligation. Just an honest assessment of what is available in today's market.
Paul Welch
Founder, MillionPlus. 20+ years in bespoke asset-backed finance.