⚠️ 𝗛𝗲𝗮𝗱𝗹𝗶𝗻𝗲 𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗥𝗮𝘁𝗲𝘀 𝗔𝗿𝗲 𝗠𝗶𝘀𝗹𝗲𝗮𝗱𝗶𝗻𝗴 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗠𝗼𝗿𝗲 𝗧𝗵𝗮𝗻 𝗘𝘃𝗲𝗿! Over the last few weeks, I’ve had a lot of conversations with investors who’ve said something along the lines of “Rates look like they’re improving again" And I get it - on the surface, some of the headline numbers do look better, however when you’re are reviewing multiple cases each week like I do, you see a very different picture! In bridging and specialist property finance, the cheapest rate is often the most expensive mistake. Because a headline rate doesn’t tell you: ✔️ How the lender behaves once the case is live ✔️ Whether they truly understand your asset ✔️ How quickly they can instruct valuers ✔️ How they react when something isn’t straightforward ✔️ Whether your exit will actually work in practice Since the February lender rate rises (and some falls), behind the scenes, what I am seeing is: 📉 Tighter day‑one leverage where you will not get to your day 1 net loan 📉 More conservative GDV assumptions 📉 Increased scrutiny on borrowers personal liquidity and assets 📉 A much slower legal processes with certain lenders 📉 more caution around exits and timelines For one of my recent cases, a property investor found a bridging lender from Google themselves offering a slightly lower rate than the one I had recommended and the investor decided to apply to them directly to save a very small amount of money. They did not follow my advice! When I checked in with them the other week, as timelines had slipped the application had in fact fallen through as the borrower had to work with the date set by the auction house! ⚠️ The lender had a restricted number of valuers that could be instructed ⚠️ That valuer had limited availability due to the holiday season, which caused delays. ⚠️ The lender had limited experience of MUFB properties, so every step required extra internal sign‑off. This is the part investors don’t always see. Because right now, the market is shifting towards quality over aggression. The Investors Doing Best Right Now Aren’t Rate‑Chasing as they are focusing on ✔️ Lender reliability✔️ Realistic leverage ✔️ Strong exits ✔️ Contingency planning ✔️ Long‑term sustainability 𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗼𝗿 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗲𝗿 𝗻𝗲𝗲𝗱𝗶𝗻𝗴 𝗯𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗳𝘂𝗻𝗱𝘀 𝗼𝗿 𝗮 𝘁𝗲𝗿𝗺 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝘀𝗶𝗺𝗽𝗹𝗲 𝗼𝗿 𝗰𝗼𝗺𝗽𝗹𝗲𝘅, 𝗳𝗲𝗲𝗹 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗴𝗲𝘁 𝗶𝗻 𝘁𝗼𝘂𝗰𝗵. 𝗪𝗶𝘁𝗵 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝟮𝟱𝟬+ 𝗹𝗲𝗻𝗱𝗲𝗿𝘀, 𝗜’𝗺 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝘁 𝘄𝗲 𝗰𝗮𝗻 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 📧 sanjay@finances.house 📞 07949 291403 📞 0121 285 3995 #PropertyFinance #BridgingFinance #BTL #HMO #PropertyInvesting #CommercialFinance #DevelopmentFinance #UKProperty #LandlordLife #PropertyInvestors #FinanceBroker #RealEstateFinance #InvestorFinance #PropertyStrategy Finances.House,

Posted by Sanjay Majithia at 2026-05-27 13:03:55 UTC