Track rate trends, see who's cutting rates, and understand the market
Last updated: 05 Jan 2026
6-month trend showing average monthly rates across all tracked lenders
Lenders that have adjusted their rates in the past 30 days
| Lender | Previous | New Rate | Change | Date |
|---|---|---|---|---|
| Octane Capital | 0.44% | 0.39% | -0.05% | 28 Dec 2025 |
| Funding 365 | 0.40% | 0.37% | -0.03% | 22 Dec 2025 |
| Glenhawk | 0.47% | 0.45% | -0.02% | 18 Dec 2025 |
| Aspen Bridging | 0.42% | 0.45% | +0.03% | 15 Dec 2025 |
| West One Loans | 0.52% | 0.48% | -0.04% | 10 Dec 2025 |
| Shawbrook | 0.51% | 0.49% | -0.02% | 5 Dec 2025 |
Market Commentary
The UK bridging loan market continues to show competitive pricing as lenders compete for quality borrowers. Average rates have fallen by 0.04% over the past 30 days, reflecting increased competition and a more favourable funding environment.
Key Trends
What This Means For Borrowers
With rates trending downward, it's a good time to explore bridging options. However, always compare the true cost including arrangement fees, not just headline rates. A slightly higher rate with lower fees can work out cheaper overall.
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