First or second charge
A first charge is the lowest-risk, cheapest position; a second charge sits behind an existing mortgage and prices higher.
Coming soon
Bridging Loan Calculator
Estimate bridging costs, source live lender products and apply online — fast short-term finance.
Coming soonAuction & chain breakRolled-up interest
Bridging loan calculator UK Live lender-uploaded products Auction & refurb finance Specialist brokerage support Free to calculate & source
Bridging finance is fast, short-term, property-secured funding — for buying at auction, breaking a chain, refurbishing, or moving quickly before longer-term finance is in place. Use the calculator to estimate your monthly cost, then source the lenders who can move at speed.
Products are uploaded directly by lenders, so you're sourcing live, current bridging deals. Once you've run your figures, shortlist what fits and apply online. Your application is then handled by Dynamic Commercial Finance, our specialist brokerage team, who fact-find your case and submit it to the lender.
What is a bridging loan?
A bridging loan is short-term finance secured against property, usually running a few months up to 18–24 months. It's designed to "bridge" a gap — completing a purchase before a sale or refinance goes through — and is priced monthly rather than annually because of its short life.
Common uses: auction purchases (28-day completion), chain breaks, refurbishment (light or heavy), buying before selling, releasing capital quickly, and pre-planning site acquisition.
Key features
Interest structure
Rolled-up (accrues and repaid at the end), retained (deducted from the advance upfront), or serviced (paid monthly). Rolled-up is the most common for investors.
Exit strategy
How you'll repay (sale or refinance) is central to pricing and approval.
How the calculator works
Enter the loan amount, property value (for LTV), the monthly rate and the term, and the calculator estimates your monthly interest and total cost. Model rolled-up versus serviced interest to see the difference in cash flow and total cost.
The result is a guide, not a formal quote. Your rate depends on LTV, security, exit and experience — the live products you source reflect what lenders will actually offer.
Bridging filters — real lender criteria
Every filter maps to how bridging lenders assess speed, security and exit.
Gross loan & LTV
Term (months)
Regulated vs unregulated
First / second charge
Exit route (sale, refinance)
Property condition
Auction deadlines
Interest serviced vs rolled
Valuation type
Credit profile
Security type
Light / heavy refurb
Explore related tools: development finance, commercial, buy-to-let.
From calculation to completed application — one platform
Estimate
Model your cost with the calculator above.
Source
Browse bridging products uploaded directly by lenders.
Shortlist
Save the deals that fit, with no obligation to proceed.
Apply online
Submit through the platform when ready.
We handle the rest
Dynamic Commercial Finance fact-finds and submits your case to the lender.
Bridging loan rates in 2026
With the base rate at 3.75%, UK bridging loans in 2026 are typically priced in three bands (monthly rates):
- Prime (≈0.55%–0.75%/month) — sub-65% LTV, prime residential security, clean credit, a confirmed exit.
- Standard (≈0.75%–0.95%/month) — standard residential or light commercial, 65–75% LTV, good credit, clear exit.
- Complex (≈0.95%–1.5%/month) — adverse credit, non-standard security, high LTV, development land or second charge.
A rate of 0.75% per month is roughly 9% annualised on a simple basis (higher if rolled up and compounding). The single biggest lever on your rate is LTV — lowering it and evidencing a solid exit is what secures sharp pricing. Loans typically range from around £50,000 to £25 million+, and beyond the rate you'll usually have arrangement fees plus valuation and legal costs.
Regulated vs unregulated: most investment and commercial bridging is unregulated; a bridge secured on your own home can be regulated. Dynamic Commercial Finance will place regulated cases appropriately.
Indicative rate ranges only — August 2026. Live lender-uploaded products are the source of truth.
Why use DyneSourcer for bridging?
Products uploaded by lenders
Live, current bridging deals across the risk bands.
Calculate, source, shortlist and apply in one place
The full journey for bridging finance — not just a cost estimate.
Speed plus specialist support
Dynamic Commercial Finance presents LTV, security and exit clearly, which is what gets bridging deals approved fast.
Whole-of-market view
Prime, standard and complex lenders together.
Bridging loan FAQs
Common questions about interest structures, speed, exits and regulation.
How is bridging interest charged?
Monthly, not annually. It can be rolled up (repaid at the end), retained (deducted upfront) or serviced (paid monthly). Rolled-up is most common for investors.
What happens after I apply?
Your application goes to Dynamic Commercial Finance, our specialist brokerage team, who fact-find your case and submit it to the lender.
How fast can a bridging loan complete?
Bridging is built for speed — straightforward cases can complete in days to a couple of weeks, which is why it's used for auctions and chain breaks.
What is an exit strategy?
How you'll repay the loan — usually the sale of a property or refinancing onto longer-term finance. A clear, evidenced exit is central to approval and pricing.
Are bridging loans regulated?
Most investment and commercial bridging is unregulated. A bridge secured on your own home can be regulated — we'll place those cases appropriately.
Calculate, source and apply — all in one place.
Model your bridging cost, source live products from UK lenders, shortlist and apply online. Dynamic Commercial Finance handles the rest.
A bridging loan is secured against property, which may be repossessed if you do not repay. Most investment and commercial bridging is not regulated by the Financial Conduct Authority. Bridging is short-term finance and should not be used for long-term borrowing.
Dynesourcer Ltd is an IAR of Dynamic Commercial Finance Ltd. Products updated August 2026.