Understand what actually makes up the cost of a bridging loan, so you can compare offers properly and budget with confidence.
We have whole of the market access allowing us to find our customers the best possible deal.
Bridging loans are priced monthly rather than as an annual rate, which reflects their short-term nature — but that also means the headline rate is only part of the picture. The total cost typically includes the monthly interest rate, an arrangement fee (usually a percentage of the loan), valuation fees, legal costs for both you and the lender, and sometimes an exit fee.
We always talk you through the full cost breakdown for any offer before you commit, not just the headline rate, so there are no surprises later.
Last reviewed 12 October 2026 by the Raise The Bridge team.
Bridging loans are priced monthly. Our rates start from 0.55% a month for loans under £1 million and 0.49% a month for loans over £1 million, plus fees.
Typically an arrangement fee (a percentage of the loan), a valuation fee, legal fees for you and often the lender, and sometimes an exit fee.
Yes. Interest can often be rolled up and paid at the end of the term rather than monthly.
Look at the total cost — interest for the expected term plus all fees — rather than the headline monthly rate. We walk you through the full cost breakdown before you commit.
No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.
