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.
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