United Trust Bank Crosses AVM Milestone as More Than Half of All its Bridging Loan Valuations Are Now Automated

19 February 2026

United Trust Bank (UTB) Bridging has revealed that more than half of all its valuations for bridging loans are now AVMs (Automated Valuation Models). The use of AVMs rather than physical valuations delivers tangible benefits to brokers and customers. As well as being free of charge, AVMs have been a significant factor in UTB’s accelerated processing and shorter DIP to Offer times.

Over the last year UTB Bridging has made several adjustments to its AVM criteria to enable more cases to benefit from their speed and more customers to benefit from the cost saving and certainty they can provide at the earliest stage of an application. Since the start of the year, 52% of UTB’s Bridging loan applications have qualified for an AVM.

AVMs are free and can deliver:

Faster turnaround times - AVMs eliminate the need for site visits, scheduling, and waits for reports.
Earlier momentum - cases progress more quickly from DIP to offer, helping clients secure opportunities sooner.
More predictable timelines - ideal for time sensitive bridging scenarios where speed is paramount.

With UTB Bridging, AVMs are available for bridging loans up to 75% LTV, for loan sizes up to £1.25m and single property values of up to £2m.

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

“We place significant value on AVMs, and over the past year we have refined our AVM criteria to the extent that more than half of our bridging loan customers now benefit from the cost efficiencies, speed, and upfront certainty they provide. The increased utilisation of AVMs, combined with wider enhancements to our processing and underwriting, is enabling us to deliver faster decisions, and minimise delays from application through to completion. This continued improvement offers brokers even stronger justification for selecting UTB when they require a swift, competitive, and dependable service.”