Every bridging lender on the Lendus panel, with the monthly rate, loan size, decision speed and eligibility each one publishes, plus 5 picks for specific jobs.
Last reviewed by the Lendus editorial team. Lendus is an introducer, not a lender.
A bridging loan is short-term property finance used to complete a purchase before a sale or longer-term funding is in place. It is priced per month rather than as an APR, and the lenders on this panel that publish a monthly rate quote from 0.54% to 1.5% per month depending on the security and the loan to value. Most publish no trading history requirement at all, because they underwrite the property and the exit rather than the business, Recognise Bank is the only one that requires a trading history outright, at 2 years, and Shawbrook publishes 12 months as a preference but none at all for property-backed bridging. What separates them is speed, ceiling and appetite for a complicated case, which is what the table below sets out.
5 of the 12 panel lenders below, chosen for a specific job. Every figure in these cards is read from that lender's own record. The full panel follows.
Together publishes 0.55% to 1.5% per month on £50,000 to £25 million, gives indicative terms within 24 hours and completes in 2 to 4 weeks. Its stated speciality is cases the high street declines, with adverse credit and non-standard income considered case by case, and it requires no trading history for property-backed lending. The wide top end of its range is the price of that appetite.
West One publishes a credit decision within 24 hours and completion typically in 2 to 3 weeks on £50,000 to £20 million at 0.55% to 1.3% per month. Avamore Capital publishes a shorter headline in the table below, at 3 to 4 days for a bridging loan, but its own smallest deal is £250,000, so West One is the pick for anything under that figure. It also offers second charge bridging, so it can lend behind an existing mortgage rather than requiring you to refinance it first.
Shawbrook publishes 0.55% to 1.25% per month on £50,000 to £25 million, with indicative terms within 24 hours and completion in 2 to 4 weeks. Its record names HMOs, portfolio landlords and semi-commercial property as its track record, which is the security type that most often stalls elsewhere. Shawbrook Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA, firm reference number 204574.
Octopus Real Estate lends £50,000 to £100 million and prices residential bridging from 0.55% per month and commercial bridging from 0.85% per month, with no ceiling rate published because the final rate is set case by case. It publishes a rate discount of up to 0.15% per month on bridging and development loans that improve a property's EPC rating. It does not publish a completion timescale, which is the honest gap in an otherwise detailed record.
Precise Mortgages publishes 0.59% to 1.3% per month on £75,000 to £15 million, with a credit decision within 48 hours and completion typically in 3 to 4 weeks. It is the pick here for a borrower with a marked credit file or an awkward property, with specialist criteria for portfolio landlords holding 4 or more mortgaged properties and acceptance of HMOs, multi-unit freehold blocks and semi-commercial security.
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Check EligibilityEvery lender on the Lendus panel whose record carries bridging. Several also do development finance and commercial mortgages, and where that is the case the published rate covers more than one product, so check the profile before assuming the figure applies to your deal.
Lenders that publish a rate are listed first, then those that quote every deal individually. Within each group the order is alphabetical, so a lender's position in this table is not a score.
| Lender | Facility size | Published rate | Decision speed | Minimum trading history | Checked |
|---|---|---|---|---|---|
| Atelier Finance | £3m to £40m | BBR+4.99% to BBR+6.99%per year | No fixed turnaround time is published. Atelier states it offers direct access to decision-makers for faster credit-backed approvals, with a dedicated drawdown team for ongoing project drawdowns. | Not publicly stated as a fixed number of years. Atelier targets professional developers with a demonstrable track record of similar, completed developments. | |
| Avamore Capital | £250k to £25m | From 0.56%as the lender publishes it, see profile | Avamore states a bridging loan can typically be obtained within 3 to 4 days, depending on documentation and solicitor responsiveness. Refurbishment finance is often approved within 24 hours, which Avamore contrasts with the multi-week timelines it says are typical elsewhere. | No minimum trading history is published. Avamore lends against the property or development scheme and exit strategy rather than the borrower's or company's trading track record, and states that development finance is available to less experienced developers. | |
| CrowdProperty | £200k to £10m | 0.65% to 1.1%per month | Indicative terms within 48 hours; full credit decision within 2 weeks; drawdown from 4 weeks | None required, development experience is more important than trading history | |
| LendInvest † | £75k to £15m | 0.54% to 1.2%per month | Credit decision within 24–48 hours; legal completion 2–4 weeks | None required for property-backed lending | |
| Octopus Real Estate | £50k to £100m | 0.55% to 0.85%+per month | No fixed timeframe is published. Octopus states it delivers fast completions, even on complex cases, with a dedicated case team for large bridging and development loans; exact timescales are confirmed once a case is submitted. | No minimum trading history is published. Lending is assessed against the security property, development scheme and exit strategy rather than the borrower's trading record, and newly formed special purpose vehicles (SPVs) are commonly used for bridging and development deals. | |
| Precise Mortgages | £75k to £15m | 0.59% to 1.3%per month | Credit decision within 48 hours; completion typically 3–4 weeks | None required for property-backed lending | |
| Recognise Bank | £250k to £10m | 0.79% per month (bridging, residential security) to 9.50% p.a. (commercial mortgage Standard Variable Rate)as the lender publishes it, see profile | Online enquiry takes just minutes to submit; Recognise Bank aims to make initial contact within 24 hours and to provide indicative terms within 48 hours. A specific timeframe for final funds release is not published. | 2+ years | |
| Shawbrook Bank | £50k to £25m | 0.55% to 1.25%per month | Indicative terms within 24 hours; completion typically 2–4 weeks | 12+ months preferred; none required for property-backed bridging | |
| Together | £50k to £25m | 0.55% to 1.5%per month | Indicative terms within 24 hours; completion 2–4 weeks | None required for property-backed lending | |
| West One Loans | £50k to £20m | 0.55% to 1.3%per month | Credit decision within 24 hours; completion typically 2–3 weeks | None required for property-backed bridging | |
| Hampshire Trust Bank | Up to £35m | No public rate card | Bridging finance targets 21 days from application to completion, supported by dual legal representation; specialist mortgage and development finance timescales are assessed case by case with a broker | No minimum published; HTB lends only through registered intermediaries and assesses each case individually rather than against a fixed trading history rule | |
| Roma Finance † | £75k to £3m | No public rate card | Service level target of a response within 24 hours; Roma Finance states 80% of RomaFLOW bridging cases complete within 28 days, and cites a record bridging completion of 5.5 hours and a record buy-to-let completion of 6 days | Not published as a fixed minimum. Roma Finance underwrites manually and case-by-case, focusing on the borrower's strength, experience and exit strategy rather than a set minimum trading history |
Figures are taken from each lender's own published material on the date shown and are indicative, not offers. Where a lender publishes no rate we say so rather than estimating one. A monthly rate and a factor rate are not APRs and do not convert cleanly into one.
A lender's published rate can cover more than one of its products. Each lender's profile carries the full note, including which product the figure applies to and any fees charged on top.
† Lendus has not confirmed the regulatory status of LendInvest, Roma Finance against a primary source, so this page makes no regulatory claim about them. Check the FCA Register at register.fca.org.uk before you commit to any lender.
Reviewed 25 August 2026. This page is built from the Lendus lender panel rather than from a shortlist. Every provider whose record carries bridging finance appears in the table below, in an order generated from the records themselves: lenders that publish a rate come first, then lenders that quote every deal individually, alphabetically within each group. Position in that table is not a score. The picks above it are editorial, and "best" here means best for a stated job, such as the fastest published decision, the highest ceiling or the most appetite for adverse credit. The reason is written next to each pick, so you can disagree with it. We do not score lenders out of 5 and we do not rank them against one another, because the right lender depends on your size, your trading history and what you are funding. Rates, facility sizes, decision times and eligibility are taken from each lender's own published material on the date shown against it, and are indicative rather than offers. Where a lender publishes no rate, we print that rather than estimating one, and we print a rate in the unit the lender quotes it in, because a monthly rate and a factor rate are not APRs. We make no statement about a firm's regulatory status unless we have confirmed it against a primary source and recorded that source on the lender's own page; where we have not, we say so and point you to the FCA Register.
Lendus receives a commission or referral fee from brokers and lenders when a business we introduce goes on to receive funding. It does not affect the rates you are offered, and it cannot affect the order of the table above, which is generated from the lender records rather than set by hand.
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