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Bridging Finance

First Charge Bridging Loans

Secure the primary legal charge on your property with a first charge bridging loan, our most straightforward and competitively priced bridging option.

Bridging Loan
Rates and costs

We have whole of the market access allowing us to find our customers the best possible deal.

Monthly interest rates from
0.55% per month
for loans under £1 million
0.49% per month
for loans over £1 million

What is a First Charge Bridging Loan?

A first charge bridging loan is secured against a property with no existing mortgage or borrowing, meaning our lender takes the primary legal charge. Because the lender is first in line to be repaid if anything goes wrong, first charge bridging tends to come with the most competitive rates and the widest choice of lenders.

This is the most common form of bridging finance, used for everything from onward property purchases to short-term cash flow needs, and is usually the quickest type of bridge to arrange.

Benefits of a First Charge Bridge

Most Competitive Rates

With the lender in the strongest security position, first charge bridging loans typically attract the best rates in the bridging market.

Widest Lender Choice

Because it's the most common form of bridging security, we have access to the broadest panel of lenders for first charge deals.

Fast to Arrange

With no existing charge to work around, first charge bridging loans are often the quickest to get approved and drawn down.

First Charge Bridging Loans – Frequently Asked Questions

What is a first charge bridging loan?

A bridging loan secured against a property with no existing mortgage, so the lender takes the primary legal charge and is first in line to be repaid.

Why are first charge bridging loans cheaper?

Because the lender holds the strongest security position, first charge bridging usually attracts the most competitive rates and the widest choice of lenders.

How quickly can a first charge bridge complete?

With no existing charge to work around, first charge bridging is often the quickest type to arrange — some cases complete in as little as 48 hours.

Is first charge bridging finance regulated by the FCA?

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.

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