"We’re focused on combining sharp pricing with speed, certainty and a smoother broker experience and remain fully committed to supporting bridging brokers with the tools, service and consistency they need to place business with confidence"
- Andrew Ferguson - United Trust Bank
The lender has introduced new pricing from 0.57% per month, positioning its products more competitively in a market shaped by volatility and shifting funding conditions.
The move is likely to support brokers seeking flexible short-term finance solutions for clients navigating refinancing, refurbishment, or auction purchases.
New bridging finance rates explained
The updated bridging finance rates apply across United Trust Bank’s regulated lending range, with pricing tiered by loan-to-value.
The new rates include:
- 0.57% pm for loans under 50% LTV
- 0.58% pm for loans under 60% LTV
- 0.59% pm for loans under 65% LTV
- 0.61% pm for loans under 70% LTV
- 0.65% pm for loans under 75% LTV
These reductions come as lenders across the UK property market adjust pricing to remain competitive while managing funding costs and risk exposure.
Impact on brokers and property investors
Lower bridging finance rates can improve deal viability for property investors, particularly those relying on short-term funding for refurbishment or chain-breaking purchases.
For brokers, more competitive pricing may help:
- increase deal conversion rates
- improve affordability for clients
- support refinancing strategies
- strengthen positioning in a competitive lending market
The changes may also help offset wider pressures on borrowing costs seen in other areas of the mortgage market, including buy-to-let.
Faster processing and underwriting changes
Alongside the pricing changes, United Trust Bank has introduced operational improvements aimed at speeding up bridging applications.
The lender reports that:
- average time from application to decision in principle has been halved
- time from decision in principle to valuation has also been reduced by 50%
- more than half of completed bridging loans now use automated valuation models
The increased use of AVMs is designed to reduce costs for borrowers while improving certainty earlier in the application process, which is a key factor in time-sensitive transactions.
What this means for the bridging market
Andrew Ferguson, commercial director of mortgages, BTL & bridging at United Trust Bank, said, “We know how important it is for brokers to have access to genuinely competitive pricing, especially in a market that continues to shift, so these rate reductions are all about giving our broker partners even more ways to win business and deliver great outcomes for their clients.
“At the same time, we’ve been working hard behind the scenes to make sure our service matches that pricing,” he said. “The changes we’ve made to our underwriting and processing are already having a real impact, with significantly faster times from application to completion at a pace brokers expect from an experienced bridging lender.
“We’re focused on combining sharp pricing with speed, certainty and a smoother broker experience and remain fully committed to supporting bridging brokers with the tools, service and consistency they need to place business with confidence.”
Outlook for bridging finance rates
The reduction in bridging finance rates reflects continued competition among UK lenders, even as broader market conditions remain uncertain.
For property investors, access to faster and more competitively priced bridging loans could support activity in areas such as refurbishment, auction purchases, and short-term refinancing. Meanwhile, brokers may benefit from improved service levels and quicker turnaround times when placing deals.
As lenders continue to refine both pricing and processes, the focus is likely to remain on balancing speed, certainty, and affordability in the evolving UK property finance landscape.
