United Trust Bank Reveals Significant Acceleration to Bridging Processing and Completion Times

12 February 2026

United Trust Bank (UTB) Bridging has revealed that work to improve its internal case management and underwriting has resulted in significantly swifter decisions, valuations and completions.

With speed often being one of the most important factors in a bridging loan, UTB has been working hard behind the scenes to ensure brokers and customers feel the benefits of the changes being made across its bridging application to completion journey. Key improvements include:

Faster decisions - The average time taken from application to DIP has been halved
Maintaining momentum - The average time taken from DIP to valuation instruction has been halved
The speed bridging is designed for - The average time between offer and draw-down has reduced from 57 days to 30 days

Illustrating the improvements made and the speed of delivery when required, UTB recently completed a £2.45m regulated bridging loan, secured on two properties, which was processed from application to completion in 15 days without using AVMs.

Gene Clohessy, Director of Underwriting – Bridging and BTL, United Trust Bank said:

“We have been working hard to accelerate our processing and underwriting to deliver faster decisions and reduce friction from application to completion, giving brokers even greater confidence to place cases with us. Our flexible and pragmatic underwriting approach is coupled with a deep knowledge of bridging and our dedicated case managers ensure deals get over the line on time when the funds are needed.

“These improved SLAs are testament to the work that’s gone in to improving our bridging service having listened to broker feedback. And with a new bridging application portal coming soon, broker and customer journeys will be even smoother and even faster.”