UTB Bridging Cuts Rates and Expands Product Bandings to Help Brokers Place More Business
14 July 2026
United Trust Bank (UTB) Bridging has reduced pricing across its regulated and unregulated bridging ranges while expanding its product LTV bandings, giving brokers greater flexibility and even more competitive options for their clients.
The new pricing, effective from 14 July, includes rate reductions of up to *8 basis points, with regulated bridging rates now starting from 0.57% per month and unregulated bridging from 0.63% per month.
The changes apply across UTB’s Standard and Light Refurbishment products, while rates have also been reduced across UTB's Second Charge Bridging range. Brokers with applications already in the pre-offer pipeline will automatically benefit from the new lower rates.
Regulated – Standard & Light Refurb
- Up to £500k – Rates from 0.58% pm
- Above £500k – Rates from 0.57% pm
Unregulated – Standard & Light Refurb
- Up to £500k – Rates from 0.64% pm
- Above £500k – Rates from 0.63% pm
Andrew Ferguson, Commercial Director – Mortgages, Buy-to-Let & Bridging at United Trust Bank, commented:
"In today's market, brokers need lenders who combine competitive pricing with the flexibility to support a wide variety of client circumstances. These latest enhancements do exactly that. Lower rates are always welcome, but we've also expanded our product bandings to give brokers more options when structuring bridging loans for their customers. It's about making sure they have access to pricing that better reflects the individual circumstances of each case.
"Price gets the conversation started, but flexibility and certainty are what help brokers get deals over the line. We're continually investing in our Bridging proposition, listening to broker feedback and looking for ways to improve the experience for both brokers and their customers.”
Brokers can find further details about UTB’s new LTV bands and pricing in its Bridging Product Guides HERE
