Not sure which finance product is right for your deal? Our side-by-side comparison guides break down the key differences between commercial mortgages, bridging loans, buy-to-let mortgages, and development finance, so you can make an informed decision.
A bridging loan and a commercial mortgage both finance commercial properties, but they serve very different purposes. One is short-term funding designed for speed, the other is long-term finance built for stability. This guide breaks down the key differences to help property investors and business owners choose the right option.
Bridging Loan
0.55% - 1.25% per month
1 - 24 months
Commercial Mortgage
5.25% - 9.49% per annum
3 - 25 years
Choosing between a commercial mortgage and a buy-to-let mortgage depends on the property type you plan to invest in. This guide explains the differences between commercial and residential property finance, helping landlords and investors make an informed decision about which mortgage product is right for their investment strategy.
Commercial Mortgage
5.50% - 9.49% per annum
3 - 25 years
Buy-to-Let Mortgage
4.50% - 7.99% per annum
5 - 35 years
Choosing between a fixed and variable rate on your commercial mortgage is one of the most important decisions you will make. This guide explains how fixed and variable commercial mortgage rates work, what affects your rate, and when each rate type makes sense for different borrowers in the current interest rate environment.
Fixed Rate Commercial Mortgage
5.50% - 8.99% fixed
2 - 10 year fixed period within a 3-25 year mortgage
Variable Rate Commercial Mortgage
Base rate + 2.5% to 5% (variable)
3 - 25 years
Development finance and bridging loans are both short-term property finance solutions, but they are designed for very different types of project. This comprehensive guide explains the difference between bridging and development finance, when to use each, and how the lending criteria compare for property developers and investors.
Development Finance
7% - 12% per annum (plus arrangement and exit fees)
6 - 24 months
Bridging Loan
0.55% - 1.25% per month
1 - 24 months