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  • Commercial Bridging Finance Rates UK 2026

    Commercial bridging finance rates UK 2026 — what experienced investors and developers are currently paying.

    First charge commercial bridging on prime, low-LTV security is available from 0.55% per month. Standard commercial security at 65–70% LTV typically prices between 0.65% and 0.85% per month. Higher LTV or complex asset transactions reach 0.85% to 1.25% per month. Second charge bridging runs 0.2% to 0.4% per month above equivalent first charge rates.

    The headline rate is only part of the cost. Arrangement fees, exit fees, minimum terms, and interest structure all affect the total cost of funds. On a £3M commercial bridge, the difference between a well-structured facility and a poorly chosen one can be six figures over a nine-month hold.

    Key pricing variables: LTV, exit strategy quality, asset type, and speed of completion required.

    To discuss current commercial bridging terms for a specific transaction, contact Rosehill Capital at rosehillcapital.co.uk.

  • Development Finance Rates UK 2026

    Development finance rates UK 2026 — where the market actually sits for experienced developers right now.

    For mainstream residential schemes with experienced developers, rates are sitting between 6.5% and 9.5% per annum. The range is wide because the variables are significant: developer track record, scheme location, planning status, leverage required, and the quality of the exit strategy all move the rate materially.

    Bank-backed lenders offer the lowest headline rates at 6.5% to 8% per annum, with stricter criteria around track record, minimum scheme sizes, and often pre-sales requirements. Non-bank lenders and private credit funds typically price at 8% to 10% per annum but offer higher leverage (65% to 75% LTGDV) and faster execution.

    On leverage: most lenders advance up to 65% of gross development value (LTGDV), with stronger applications reaching 70%. LTC (loan to cost) typically up to 85–90%, subject to the LTGDV cap.

    Interest is almost always rolled up — accruing throughout the build and repaid at exit. On a 14-month facility at 0.85% per month, rolled interest on a £2M facility is approximately £238,000. That figure needs to sit within the LTGDV cap at completion.

    If you have a development scheme and want to discuss current terms for your specific situation, contact Rosehill Capital directly at rosehillcapital.co.uk.