How much does a bridging loan cost?

It depends on the property, the loan-to-value and the strength of the exit. Interest is usually quoted per month and can often be rolled up. Housn Capital does not set rates — a specialist broker sets out real terms for your deal.

Why is bridging interest quoted per month?

Because the loan is short-term — held for months rather than years — it is more natural to quote and compare the interest on a monthly basis.

What does rolled-up interest mean?

Rather than paying interest monthly, it is added to the loan balance and settled in one go at the end. This keeps your outgoings low while a project runs.

What else is there beyond interest?

Typically a lender's arrangement fee, the valuation, and legal costs for the charge. Sometimes an exit fee too. A broker will lay all of these out for your deal.

How can I keep the cost down?

A lower loan-to-value, a straightforward property and a strong, evidenced exit all reduce risk, which is what shapes the terms you are offered.

Is bridging regulated?

Bridging for business and investment property is typically unregulated. Housn Capital is not FCA regulated and does not lend or advise — we introduce you to a specialist commercial finance broker.

Guide · Bridging

What does a bridging loan cost?

Bridging is priced differently to a mortgage. Here are the parts that make up the cost — explained plainly, so you know what to ask about.

Updated August 2026 · 5 min read · By Housn Capital

Why bridging is priced differently

A bridge is a short-term loan, so it is priced for the short term. Two things stand out. Interest is usually quoted per month rather than per year, because you only hold the loan for months. And it can often be — added to the loan balance and paid in one go at the end — so there are no monthly payments while your project runs.

We do not publish rates here. They move, they depend on the deal, and the last thing you want when you enquire is an out-of-date figure in your head. What matters is understanding the parts that make up the cost, so you can have an informed conversation.

The parts that make up the cost

Interest

Usually quoted per month, often rolled up

Lender's fees

Arrangement and, sometimes, fees

Valuation

A professional assessment of the property

Legal costs

Solicitors on both sides handle the

None of those tiles is a Housn price — they are simply the headings the cost sits under. A broker sets out the actual numbers for your specific deal.

What drives the terms

The terms on any bridge come down to risk. The lower the risk, the better the terms, and three things move that most:

Loan-to-value

A lower loan against the property's value means more of your own money in the deal, and less risk for the lender.

The property

How straightforward it is, and how easily it could be sold, affects how a lender sees it.

The exit

A clear, evidenced way to repay — a sale or a — is the single biggest factor in the terms you are offered.

Get real numbers for your deal

The only cost that means anything is the one quoted on your actual deal. Housn Capital does not set rates — we introduce you to a specialist broker who can put real, current terms in front of you. Tell us about your deal to get matched.

Frequently asked questions

It depends on the property, the and the strength of the exit. Interest is usually quoted per month and can often be rolled up. Housn Capital does not set rates — a specialist broker sets out real terms for your deal.

Next step

Thinking about bridging for a project?

Tell us a little about your deal and we’ll introduce you to a specialist broker who can talk through the options.

Get matched Read more guides

Housn Capital Limited. Not FCA regulated. B2B non-regulated lending only. Company No. 16418877. General information, not financial advice.