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Bridging Loan Against GDV

Bridging lenders size against open-market-value (OMV) or against GDV with a planning consent. Q2-2026 caps run 70 to 75 percent LTGDV on bridging. Bridge-to-development re-finance switches the bridge to a dev facility at first draw of build cost.

Working bands Q2-2026

  • Regulated bridging (owner-occupier): 0.55 to 0.85 percent pcm.
  • Unregulated bridging (investment / dev): 0.75 to 1.10 percent pcm.
  • Arrangement: 1.5 to 2 percent. Exit: 1 percent typical.
  • LTGDV cap with consent: 70 to 75 percent.

Bridge-to-dev re-finance

Acquire on bridge while planning is finalised, then re-finance to a dev facility at first build drawdown. Saves arrangement-fee double-charge if both lenders are the same; pays for itself if planning gain is material.

UK Finance data and research· Q1 2026Appraisal model reviewed by Oliver Wakefield-Smith (data integrity) with chartered-surveyor (MRICS) and CTA tax review. No affiliate links.