Rates by LTV

See how bridging loan rates typically change at different loan-to-value levels.

Indicative rates for comparison only. Actual rates depend on lender assessment and your circumstances.

Selected LTV

70%

50% 55% 60% 65% 70% 75% 80%

Lowest Rate*

0.48%

Average Rate*

0.55%

Lenders Listed

*Indicative rates. Your rate will depend on individual lender assessment.

Lender Rates at 70% LTV

Full Rate Tiers by Lender

Lender	50% LTV	60% LTV	65% LTV	70% LTV	75% LTV	80% LTV

Why Does LTV Affect Rates?

Lower LTV = Lower Risk

When you borrow less relative to the property value, the lender has more security. If you default, they're more likely to recover their money. This means they can offer better rates.

Rate Tiers Explained

Most lenders have "rate tiers" at 60%, 65%, 70%, and 75% LTV. Crossing a tier boundary can add 0.05% - 0.15% to your rate. Staying just under a tier can save significant money.

Illustrative Example

On a £500,000 loan for 12 months (illustrative only):

At 75% LTV (0.65%): ~£39,000 interest

At 70% LTV (0.55%): ~£33,000 interest

This is a simplified illustration. Actual costs vary by lender and include fees. Not a quote.