At 75% LTV, pricing has reduced from 1% per month to 0.9% per month, while at the end other end of the scale, rates now start from 0.55% per month at 50% LTV.
London Credit provides bridging loans from £150,000 to £4m on residential, commercial and semi-commercial properties across London and throughout England, with terms ranging from three to 24 months.
Loans can be used for a variety of purposes, including auction purchases, refinancing and capital raising.
Marios Theophanous, credit manager at London Credit, said: “These rate reductions strengthen our residential proposition, but our core focus remains the same – direct access to decision-makers, pragmatic underwriting and funding that completes on time. That combination of competitive pricing and dependable service is what helps brokers win business in a competitive market.”
The average monthly interest rate of a bridging loan fell from 0.88% in 2024 to 0.84% in 2025, according to lender MT Finance’s Bridging Trends data, which was released last month.
Meanwhile, the average LTV dropped from 58% to 55% year-on-year.
