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Bridging Loans Hotline call now 0117 313 6058

NatWest Bridging Loans

Bridging Loan Service

Special features of what we offer include:

  • Bridging Loans from £50,000 to £15 million

  • Term - 1 month to 24 months

  • LTV - Up to 80% (Up to 100% LTV with additional security)

  • Whole of market service - we work directly with UK bridging lenders

  • Lowest Bridging Loan Rates - Access to leading bridging loan deals

Bridging Loan Calculator - Market Leading Rates From 0.55% pm »

  • Exclusive Deals - Access to exclusive bridging loan deals not available on high street

  • Fast turnaround - speak to us today if you need to move quickly

  • Buying a property at auction? - call us today if you need bridging auction finance

To investigate your bridging loan options call our mortgage team on 0117 313 6058 or fill in our call back form.


We can provide bridging loan options and then if you require provide you with a mortgage solution once the bridging loan is no longer needed.

NatWest Bridging Loans 

Bridging loans are a form of short term finance that can be used by individuals or businesses 

The method for obtaining a bridging loan is straightforward and really versatile with a more flexible set of criteria than is usually required by most high street banks and mortgage lenders. Like a mortgage, a bridging loan is secured against your property.

Call us today on 0117 313 6058 or complete our callback request form.

How do bridging loans work?

Bridging loans are frequently utilised as an answer to a temporary cash flow problem. A common example of this type of situation is when a person wishes to buy a property but still needs to sell their existing home. A bridging loan can, in these circumstances, provide a solution by offering short-term funding.

Bridging loans may be offered in amounts typically ranging from £25,000, depending on your circumstances and which lender you approach.

Loans can be arranged quickly, in some cases in 3 or 4 days, however most deals take two to three weeks. the loan term can range from a day up to 12 months. Longer terms are possible.

What situations might require a bridging loan?

You can use a bridging loan to:

  • Beat  the competition - Secure a property quickly before it is snapped up by another buyer – even if you have not yet sold your current home

  • Mortgage chain issues? - Secure your ability to buy even in the event that the home buying chain breaks down – for example, if the sale of your old house falls through, a bridging loan can allow you to still have sufficient funds to purchase the new house

  • Property refurbishment - bridging finance to help with property development and upgrading

  • Purchasing a property that would not secure a mortgage in its present condition with a mainstream mortgage lender

  • Buying an auction property?  – use bridging loan finance to pay the required percentage needed to secure the property on the day of the auction

  • Need to move fast? - Get a fast cash injection when you most need it during the property purchasing process. The ability to move quickly can make the difference on any property transaction.

  • Development finance - If you are buying property to redevelop and you need finance to get your project off the ground.

Bridging loan payments and interest rates

Some bridging loans are structured so that the borrower pays interest each month and repays the loan at the end of the term.

This arrangement would be suitable for those who have good regular cash flow for the duration of the loan, and who will be able to meet the monthly interest payments. Other options are rolled up interest or retained interest. The actual rate paid by the borrower will depend on a number of circumstances, including:

  • The lender Whether it is an open or closed bridging loan

  • The size of the loan in comparison with the property value - the loan to value (LTV)

  • The type of security provided by the borrower

  • The credit score of the borrower

Typically the following will apply to bridging loans:

  • The interest rates payable on bridging loans are typically higher than standard mortgages as they often carry more risk to the lender.

  • Rolled-up interest – Depending on the lender borrowers can sometimes choose to have interest payments rolled up. This means that they do not have to pay interest every month but instead pay the rolled up interest at the end of the bridge term. This is suited to borrowers unable to make monthly interest payments. In these circumstances, interest is typically compounded. So, while a borrower will not pay interest monthly, the repayment at the end of the term will be larger.

  • Retained interest - To assist in meeting monthly interest payments, you can sometimes choose to retain from the loan an amount representing a number of monthly interest payments. The borrower can choose the number of months (if affordability criteria can be satisfied). The retained interest is still part of the capital sum of the loan, so interest will be charged on this amount. The total loan must fit within the loan to 1%–1.5% interest rate per month 1%–2% arrangement fee/broker fee 70%–75% loan to value

  • If there is any retained interest which is not utilised by the time of redemption of the loan, most lenders will normally provide a credit for this amount.


A bridging loan can be used for almost any purpose and can be secured on many different types of property.  In some cases you may be able to borrow up to 80% of the value of the property. 

Compare NatWest bridging finance loans with the rest of the market.

Bridging Loan Calculator - Market Leading Rates From 0.43% pm »

If you are unsure about whether a bridging loan NatWest or otherwise is suitable for you call us on 0117 313 6058 or complete our request callback form.

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Looking for a bridging loan? Call our bridging loans team or request a callback

Call us for a FREE initial conversation on 0117 313 6058 about your bridging loan options or request a callback.

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