Independent ranking
Best UK bridging loan providers
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; 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 the specialist bridging lenders on the FundBiz panel, alongside MFS and Precise Mortgages, which are not 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 on the panel 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. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. 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 specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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Bridging, BTL, commercial mortgages and second charge · £25k to £30m · 5 to 15 business days
Fifty-year track record, one of the largest non-bank books in UK property finance; will underwrite cases mainstream banks decline on policy grounds.
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.
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.
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.
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 | Fifty-year track record, one of the largest non-bank books in UK property... |
| Octopus Real Estate | Bespoke | £500k to £200m+ | 5 to 20 business days | Multi-product property platform from bridging through to development, with a... |
| Roma Finance | From 0.69% per month | £75k to £3m | 3 to 10 business days | Streamlined "RomaFLOW" process for clean residential bridging and refurb cases. |
| Hope Capital | From 0.69% per month | £50k to £10m | 3 to 10 business days | Ticket floor of £50k catches smaller refurb and auction cases other bridgers... |
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 brings a fifty-year track record; Hope Capital has one of the lower ticket floors on the panel, 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?
Together prices bridging from 0.65% per month. Roma Finance and Hope Capital both price from 0.69% per month. Octopus Real Estate quotes bespoke, case by case. Total cost depends heavily on how quickly the loan exits.
How fast does a UK bridging loan complete?
Roma Finance and Hope Capital both typically decide in 3 to 10 business days. Together takes 5 to 15 business days. Octopus Real Estate, across its wider property platform, takes 5 to 20 business days depending on the deal.
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 every lender on the FundBiz panel.
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).
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).