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One of the most common reactions when people look into bridging finance?
“Wait… why is it so expensive?”
Yep — people are often shocked when they see the full breakdown. Bridging can be a powerful tool for investors, but only if you go in with your eyes open.
If you’re planning to use this kind of finance — whether it’s for a commercial conversion, HMO, or a residential refurb — you need to include all the fees and interest in your calculations.
Here’s a simplified breakdown to help you make sure your numbers stack up
Fees Paid During Application:
Valuation Fee
Lender Legal Fees
Your Legal Fees
Application Fee
Asset Manager / Quantity Surveyor (especially for heavier works)
Fees Typically Deducted From the Loan Advance:
Lender Admin Fee
Lender Arrangement Fee
Interest (can be deducted upfront or rolled up)
Title Insurance
Broker Fee – usually paid on completion
There are so many options out there, each with their own structure, quirks, and hidden charges.
Before you pay a penny, make sure you’ve budgeted correctly.
Don’t get caught short mid-application after you’ve already spent thousands.
At Clever Mortgages, we help investors raise finance for:
Commercial Conversions
HMO Projects
Residential Refurbs & Extensions
Multi-Unit Blocks
Thinking about bridging? Want to sanity-check the numbers first?
Get in touch for a free, no-obligation chat.
? 0800 316 2224
? [email protected]
? www.cleverlending.co.uk