Inspired Lending has reduced its bridging finance rates, with new pricing starting from 0.79% per month, down from a previous minimum of 0.89% per month.
The revised pricing takes effect immediately and applies to all new lending. The lender said the move is designed to strengthen its offer to property investors and developers seeking short-term funding for purchases, refurbishments, and capital raising.
The rate reduction reflects a focus on borrowers with straightforward transactions, particularly lower loan-to-value deals. These types of projects are common among investors who need fast access to capital while preparing assets for sale or refinancing.
Impact on bridging finance borrowers
Lower bridging finance rates could widen the appeal of short-term property funding for investors pursuing time-sensitive opportunities.
Inspired Lending said the updated pricing structure is aimed at attracting more borrowers with uncomplicated transactions. These deals typically involve lower LTV borrowing and clearer exit strategies, which can help lenders process funding more efficiently.
For property investors, bridging loans are often used to:
Secure properties quickly in competitive markets
Fund refurbishment projects before refinancing onto buy-to-let mortgages
Release capital from existing assets for reinvestment.
Lower monthly rates may improve overall project viability, particularly where investors are managing refurbishment costs or tight timelines before refinancing.
Flexible funding for portfolio landlords
Alongside the rate reduction, Inspired Lending has recently introduced a flexible funding facility designed for experienced property professionals with established portfolios.
The facility is structured for borrowers who prefer relationship-led funding rather than standardised lending products. Portfolio landlords and professional investors often require more tailored finance arrangements, particularly when managing multiple assets or complex funding structures.
This type of facility can provide greater flexibility around borrowing structures and capital access across a portfolio.
Lender appetite for lower LTV deals
Gavin Diamond, chief executive of Inspired Lending, said demand from brokers and introducers had influenced the decision to cut rates.
“Our introducers are recommending us to more and more borrowers with straightforward, lower LTV deals and we feel there is an opportunity to attract even more of this type of business,” said Gavin Diamond, chief executive of Inspired Lending (pictured). “This rate cut is a reflection of our appetite to provide more of these types of borrowers with access to our pragmatic, solutions-focused approach.”
The lender’s updated pricing signals a continued focus on simpler transactions where borrowers require fast, short-term finance.
