This calculator is for illustration only using a simple straight-line (non-compounding) rolled-up interest model and does not constitute a mortgage or loan illustration, quotation, or offer of finance. Typical UK bridging rates in 2026 range from around 0.5% to 1.5% per month depending on LTV, security and exit strategy; your actual rate, fees and maximum LTV will depend on lender criteria, valuation, and status. Where a bridging loan is secured against your own home it will usually be a regulated mortgage contract; where it is secured against an investment or business property it will usually be unregulated business lending – ask your adviser which applies to you. Your property may be repossessed if you do not keep up repayments on a loan secured against it. Giles Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 726857).