Lendhub bridging finance review
Lendhub offers non-regulated bridging loans against residential, commercial and mixed-use property in England and Wales. This guide sets out published product mechanics, term length, interest structures and eligibility criteria, based solely on Lendhub's own bridging criteria page, without speculation on approval odds.
By Funding Fred · Sources checked 19 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to Lendhub. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider Lendhub?
- Property owners or investors in England and Wales needing short-term finance secured against residential, commercial or mixed-use property.
- Borrowers who can present a valid and reasonable exit strategy, since Lendhub's criteria treats this as a requirement rather than a preference.
- Corporate applicants able to provide personal guarantees from directors and shareholders holding more than 25% of the company, where the borrowing entity is a limited company.
Worth weighing up
When to consider other options
- If a regulated bridging loan is needed, for example, borrowing secured against a main residence, since Lendhub's published scope covers non-regulated bridging only.
- If the property or exit route sits outside England and Wales, as Lendhub's geographic scope does not extend further.
- If a longer-term facility beyond 24 months is required, since Lendhub's bridging product is structured as a short-term solution, not ongoing finance.
Understand the offer
Costs and repayments
Lendhub's bridging loans run for up to 24 months, with interest that can be structured as serviced, retained, part-retained or rolled up, depending on the arrangement agreed. Each structure changes how and when interest is paid: serviced interest is paid monthly during the term, retained interest is deducted from the loan advance upfront, and rolled interest accumulates and is settled at redemption. Which option applies to an individual case is a matter for the written offer, not this guide.
Lendhub's published information does not confirm a universal maximum loan-to-value figure, as its summary and feature information differ on this point, so no LTV ceiling is stated here. Borrowers should treat any LTV, rate or fee quoted verbally as provisional until confirmed in writing.
A "no exit fee" position, where referenced by lenders generally, does not remove other costs. Interest, legal fees and arrangement fees remain separate obligations regardless of whether an exit fee applies. Anyone comparing bridging costs should read a full breakdown covering these categories before proceeding, see this guide to bridging loan costs in the UK for context on how these charges typically interact.
Eligibility and application
Lendhub's stated scope covers non-regulated property bridging across residential, commercial and mixed-use property types in England and Wales. Corporate borrowing structures require personal guarantees from directors and shareholders holding stakes above 25%, according to Lendhub's published criteria. Applicants should treat these points as a baseline for enquiry, not a guarantee of approval, since underwriting decisions rest with Lendhub.
Full details, including how to make contact, sit on Lendhub's own bridging loan criteria page. Applicants preparing to approach any bridging lender, including Lendhub, may find it useful to review a bridging loan application checklist covering documents, security and exit evidence commonly requested across the market.
Advantages to weigh up
- Interest structuring options (serviced, retained, part-retained, rolled) give some flexibility over how repayments are managed during the term.
- The product covers a broad property scope, residential, commercial and mixed-use, rather than a single property type.
- A defined maximum term of 24 months gives borrowers a clear upper boundary for planning an exit.
Limitations to understand
- Lendhub's own published pages contain a conflict between summary and feature information on maximum LTV, so no specific LTV figure can be confirmed here.
- A valid and reasonable exit strategy is a stated requirement; without one, an application is unlikely to progress regardless of other factors.
- Corporate applicants face a personal guarantee requirement tied to shareholding above 25%, which is a material personal obligation beyond the company itself.
Look at the wider picture
Comparing the alternatives
Bridging finance varies significantly between lenders on LTV limits, interest structuring, fees and exit requirements. Because Lendhub's own published figures show internal inconsistency on LTV, anyone assessing this option should request a full written quote rather than relying on summary marketing content. A written quote should confirm the loan amount, term, interest structure, all fees, and the exit route accepted.
Reviewing more than one bridging structure side by side, rather than assuming all bridging products work identically, helps clarify what "non-regulated" scope means in practice, and how retained versus serviced interest changes monthly cash flow. General background on how bridging loans function, including typical exit routes, is covered in this overview of bridging loans and this broader guide to bridging loans.
MT Finance
Bridging finance
Uses: Auction purchase, chain-break prevention and equity release.
Read reviewBlack & White Bridging
Short-term property finance
Range: Auction, residential and commercial bridging.
Read reviewProduct features checked against each provider’s UK website. These are comparison pointers, not a price ranking or a promise of eligibility.
Your Lendhub questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Lendhub — Bridging loans. Other products may have different terms.
Sources checked 19 September 2026. Your written offer determines your actual costs and conditions.
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