Transparent pricing from a direct lender. Rates from 0.79% per month, fixed for the term, with no exit fee and no early repayment penalty.
"From" rates apply to the strongest cases — typically lower LTVs on standard property with a clear exit. Your exact rate is confirmed in same-day indicative terms, before you commit to anything.
| Product | Rates from | Max LTV | Loan size | Valuation |
|---|---|---|---|---|
| Residential bridging | 0.79%/month | 75% | £26k – £2m | AVM (£0), desktop or physical |
| No valuation bridging | 0.79%/month | 75% | £26k – £2m | AVM (£0) or desktop — no premium for no-val |
| Auction bridging | 0.79%/month | 75% | £26k – £2m | AVM (£0), desktop or physical |
| Refurbishment bridging | 0.79%/month | 75% day one | £26k – £2m | Physical typical; desktop post-works |
| Semi-commercial bridging | 0.79%/month | 70% blended | £100k – £2m | Blended RICS inspection |
| Commercial bridging | 0.99%/month | 65% | £100k – £2m | Commercial RICS inspection |
| Bad credit bridging | Case by case | 70% | £26k – £2m | AVM (£0), desktop or physical |
Rates correct as at July 2026 and subject to change. All lending subject to underwriting, valuation and legal due diligence. Your property may be repossessed if you do not repay your loan within the agreed term.
Bridging pricing is case-by-case, but it is not mysterious. These are the levers, in order of impact.
The single biggest driver. A 60% LTV case borrows at the bottom of the range; 70–75% LTV prices higher because the lender's margin of safety is smaller.
Standard residential prices lowest. Semi-commercial follows, then commercial. Unusual assets price for the effort of exiting them.
A signed sale contract or an agreed refinance beats an intention. The more certain your exit, the sharper our pricing.
Very small loans carry proportionally higher fixed costs; mid-size loans on strong security price keenest.
Clean credit and relevant experience help, but as a direct lender we weight the asset and exit more heavily than a credit score.
The monthly rate is only part of the cost of a bridging loan. The complete picture: arrangement fee (typically 1–2% of the loan), valuation (£0 on AVM cases, £250–£600 desktop, more for physical inspections), and legal fees for both parties. AF Credit charges no exit fee, no early repayment penalty, and — because we are a direct lender, not a broker — no broker fee sits on top of our pricing.
Run your own numbers on our bridging loan calculator, or read the full breakdown with worked examples in our guide: What does a bridging loan cost?