MT Finance Bridging Trends Q3 2026: investment purchases top bridging uses, lending up 5% to £181.8m

Created Nov 10, 2026 • AI-generated summary

MT Finance's Bridging Trends quarterly index for Q3 2026 (July–September, reported 10 November 2026): investment property purchases became the primary use of UK bridging finance, accounting for 23% of transactions, up from 18% in Q2. Contributors lent £181.8m, up 5% from £173.1m in Q2 but 13.2% below £209.4m a year earlier. Average monthly interest rate fell to 0.77% (fourth consecutive quarterly decline), average completion time fell five days to 41 days, average LTV rose from 55% to 59%, first-charge bridges rose from 78% to 87% and heavy-refurb bridges fell from 10% to 6%. Comment from MT Finance's Raphael Benggio and Clifton Private Finance's Fergus Allen. Membership limited to coverage of this specific Q3 2026 Bridging Trends release; other quarters are distinct stories.