Bridging Loan Statistics 2025

At Clifton Private Finance, we arrange hundreds of bridging loans each year. The figures below reflect the real-world patterns we are seeing across the UK bridging market in the first half of 2025. This offers a unique, data-backed perspective into the current lending landscape.

Data Overview

This report is based on internal bridging loan quotes and completions recorded by Clifton Private Finance between 1 January and 30 June 2025. The data represents a total quoted loan value of £482,420,968.

Key Bridging Loan Statistics

Average Completion Time

43 days
From offer to completion, our clients completed on average in just 43 days - significantly faster than traditional property finance options.

Average Loan-to-Value (LTV)

52.79%
Most clients are borrowing just over half the value of the property, indicating most clients have an additional property to secure the loan against (buy before sale, for example).

Average Interest Rate Quoted

0.64% per month
This reflects very competitive access to short-term finance, even when compared to the annual rates of standard mortgages.

Transaction Type

• 58% Regulated bridging loans (where the borrower or their family will live in the property)
• 42% Unregulated bridging loans (typically for investment purchases like buy-to-lets or HMO purchases conversions)

Fastest Bridging Loan Turnaround Times

While the average bridging loan completion time is 43 days, we’ve recorded much faster completions in certain scenarios. These examples highlight how quickly bridging finance can be arranged when circumstances align and all parties act efficiently.

Quickest Unregulated Bridging Loan YTD (Refinance Case)

• Enquiry to terms & DIP: 1 hour
• Application: 1 hour
• Offer issued: 1 hour
• In-house lender legals: 2–3 hours
• Case funded: Under 24 hours total

Quickest Regulated Bridging Loan YTD

• Enquiry to terms: 1 hour
• Terms to DIP: 4 hours
• DIP to application: 1 hour
• Application to offer: 72 hours
• Offer to completion: 5 working days
• Total time: 10 working days

*These timescales are not typically possible for most clients due to added complexities, but they demonstrate the high potential of bridging for time-sensitive property transactions.

Common Exit Strategies

Based on 1,320 cases:

• 75.15% – Sale of property (992 cases). Includes property flips and buy-before-sale use cases.
• 18.86% – Buy-to-let remortgage (249 cases). Also known as bridge-to-let.
• 4.09% – Commercial mortgage refinance (54 cases). Commercial bridging loans.
• 1.89% – Pension or investment maturity (25 cases).

What This Means for Borrowers

The data highlights just how fast and cost-effective bridging finance can be when compared to traditional mortgage routes. With an average completion time of just 43 days from offer to completion, bridging loans offer a clear advantage in situations where time is critical — such as securing a property before a chain collapses, downsizing quickly, or accessing capital tied up in property assets.

At an average rate of 0.64% per month, bridging finance is also very competitively priced within the broader marketplace of property financing options.