Independent ranking
Best UK bridging loan providers
Independent UK lender rankings from desk research, post-decline options included. FundBiz does not run a credit check. Typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
Our bridging page already names Together, Octopus Real Estate, Hope Capital and Roma Finance as specialist bridging lenders, alongside MFS and Precise Mortgages, which aren't yet profiled with a full lender review on this site. Together brings a fifty-year track record across multiple property cycles; Hope Capital has one of the lower ticket floors of the bridging lenders we list at £50k, useful for smaller refurb and auction cases. This FundBiz ranking assesses 4 UK lenders for "best uk bridging loan providers", weighting primarily on bridging-specialist underwriting (30%), speed to completion (25%), transparency (15%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Lenders don't pay for inclusion or rankings. If you send an enquiry, we pass it to a business finance broker, who pays us a fixed fee; you pay nothing.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
Last updated:
-
Bridging, BTL, commercial mortgages and second charge · £25k to £30m · 5 to 15 business days
Lending since 1974, by its own account; will consider cases mainstream banks decline on policy grounds.
Our assessment: Speed to completion: average (5 to 15 business days) · Transparency: strong · Eligibility breadth: strong.
Read full Together review → -
Property finance: bridging, development, healthcare · £500k to £200m+ · 5 to 20 business days
Multi-product property platform from bridging through to development, with a specialist healthcare and senior-living desk.
Our assessment: Speed to completion: average (5 to 20 business days) · Transparency: average · Eligibility breadth: average.
Read full Octopus Real Estate review → -
Bridging and BTL mortgages · £75k to £3m · 3 to 10 business days
Streamlined "RomaFLOW" process for clean residential bridging and refurb cases.
Our assessment: Speed to completion: strong (3 to 10 business days) · Transparency: strong · Eligibility breadth: strong.
Read full Roma Finance review → -
Bridging finance · £50k to £10m · 3 to 10 business days
Ticket floor of £50k catches smaller refurb and auction cases other bridgers reject.
Our assessment: Speed to completion: strong (3 to 10 business days) · Transparency: average · Eligibility breadth: strong.
Read full Hope Capital review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Together | From 0.65% per month (bridging) / 7.5% APR (mortgages) | £25k to £30m | 5 to 15 business days | Specialist BTL and commercial property |
| Octopus Real Estate | Bespoke | £500k to £200m+ | 5 to 20 business days | Mid-to-large property schemes |
| Roma Finance | Quoted per case | £75k to £3m | 3 to 10 business days | £100k to £1.5m residential bridging |
| Hope Capital | From 0.69% per month | £50k to £10m | 3 to 10 business days | Sub-£500k bridging |
Sources: each lender's own published product pages: Together · Octopus Real Estate · Roma Finance · Hope Capital. Figures change; confirm with the lender before you rely on one.
What is the best UK bridging loan provider?
Together, Octopus Real Estate, Hope Capital and Roma Finance are the specialist bridging lenders named on our bridging page. Together has been lending since 1974, by its own account; Hope Capital has one of the lower ticket floors of the bridging lenders we list, useful for smaller refurb and auction cases.
What is a bridging loan and when is it used?
A short-term, typically interest-only loan secured against property, used to complete a purchase, fund refurbishment, or bridge a gap before longer-term finance or a sale completes. Priced per month rather than as an annual rate because terms are usually under 12 months.
What does UK bridging finance cost?
Total cost depends heavily on how quickly the loan exits. As recorded in our lender reviews: Together: from 0.65% per month (bridging) / 7.5% APR (mortgages). Octopus Real Estate: bespoke. Roma Finance: quoted per case. Hope Capital: from 0.69% per month. Lenders price each case individually, so confirm the cost on a real quote.
How fast does a UK bridging loan complete?
As recorded in our lender reviews: Together: 5 to 15 business days. Octopus Real Estate: 5 to 20 business days. Roma Finance: 3 to 10 business days. Hope Capital: 3 to 10 business days. Timings are the lenders' own or typical figures and depend on how complete your application is.
What bridging cases get declined?
Sub-£50k tickets fall below most specialist bridging lenders' floor. Ground-up development is a different product (see our development finance listicle). Weak exit strategy or unclear security title are the most common reasons a case stalls.
How we ranked these
We weight bridging-specialist underwriting (30%), speed to completion (25%), transparency (15%), eligibility breadth (15%), post-decline acceptance (15%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK bridging loan providers":
- Bridging-specialist underwriting30%
- Speed to completion25%
- Transparency15%
- Eligibility breadth15%
- Post-decline acceptance15%
Read the full methodology for how we score and rank the lenders we review.
Also considered
- MFS
- Precise Mortgages (commercial bridging arm)
- Glenhawk (tech-enabled underwriting for fast decisions)
- United Trust Bank (£250k to £10m sweet spot)
Not for
Sub-£50k bridging needs; applicants wanting a self-serve consumer journey; ground-up development (see our development finance listicle instead).
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Editorial by Best Business Loans Ltd (16833937).