HTB cuts bridging rates by 10bps across full range

The reduction applies to all bridging loan types, including residential and semi-commercial assets, and includes its heavy refurbishment product, which is designed for experienced developers undertaking substantial works such as house-to-HMO conversions and commercial-to-residential projects.

Alex Upton, Managing Director – Specialist Mortgages & Bridging Finance, said:

 “We’ve reduced rates to support brokers who need to remain competitive, particularly where time is tight and delivery needs to be reliable. The structure of the product hasn’t changed. Brokers still have direct access to the people making the decisions, and the flexibility to get deals moving quickly.

Pricing matters, but it only works if the fundamentals are solid. Whether it’s a portfolio refinance, a chain break or a planning-led acquisition, brokers need confidence that the lender can move at pace, understand the detail and stay close to the deal throughout.

We’ve made this change with that in mind. It’s about helping brokers place business more effectively while retaining the consistency and access they rely on.”

Andrea Glasgow, Sales Director – Specialist Mortgages & Bridging Finance, added:

“Brokers are working to tighter deadlines and more complex client expectations. Competitive pricing helps at the front end, but it’s just one part of placing the deal. What makes the difference is knowing the process will hold up – that cases will be looked at properly and things won’t stall when timing matters.

This change gives brokers more flexibility on price without asking them to give up the support and structure they rely on. It’s about working with a lender that stays aligned with the way they need to do business.”

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