Our picks for the best UK bridging loan lenders in 2026, covering residential, commercial, and auction finance for property buyers, developers, and investors.
Last updated: April 2026. Written by the Lendus editorial team.
Bridging loans are short-term, secured finance typically used to bridge a gap between buying and selling a property, purchase at auction, or fund light refurbishment. With the UK bridging market now exceeding £7bn in annual completions, competition between specialist lenders is fierce — and that means better rates and faster decisions for borrowers.
Together Money is one of the UK's most versatile specialist lenders, offering bridging loans against residential, semi-commercial, and commercial property from a single team. It regularly accepts non-standard security — including ex-local authority flats, mixed-use buildings, and properties with short leases — that mainstream lenders refuse. Decisions can be agreed in principle the same day.
Shawbrook is a leading specialist bank with a strong bridging proposition for portfolio landlords and experienced investors. Its underwriters understand complex structures and multiple-unit freehold blocks, making it a natural fit for professional property investors. Rates are highly competitive and it's FCA-authorised as a bank.
LendInvest is a fintech-backed specialist mortgage lender whose digital platform speeds up the bridging application and valuation process significantly. It lends on residential and light development projects, with a transparent fee structure and no hidden charges at exit. The online portal makes tracking your case straightforward throughout.
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Check Eligibility| Lender | Best For | Rates | Amount | Speed | Rating |
|---|---|---|---|---|---|
| Together Money | Best overall bridging lender | From 0.55% per month | £26,000 – £5,000,000 | 5–10 business days | 4.1/5 |
| Shawbrook Bank | Best for professional landlords | From 0.59% per month | £75,000 – £5,000,000 | 7–14 business days | 4/5 |
| LendInvest | Best for technology-driven process | From 0.65% per month | £100,000 – £3,000,000 | 5–7 business days | 4.2/5 |
| MT Finance | Best for auction purchases | From 0.69% per month | £50,000 – £10,000,000 | 3–7 business days | 4.3/5 |
| West One Loans | Best for high-value transactions | From 0.57% per month | £100,000 – £20,000,000 | 7–14 business days | 4.1/5 |
| Precise Mortgages | Best for credit-impaired borrowers | From 0.72% per month | £50,000 – £3,000,000 | 7–10 business days | 3.9/5 |
We scored lenders on monthly interest rates, arrangement and exit fees, LTV limits, speed from application to drawdown, range of acceptable security types, and quality of underwriting. We also considered whether lenders accept applications from first-time investors and landlords, and whether they offer both regulated and unregulated bridging products.
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