A home-counties bridge to London
Hertfordshire is the county that wraps the north-western arc of London on three sides, from the WD3 Rickmansworth corridor in the south-west through the AL1 cathedral city of St Albans, the SG1 first-new-town footprint at Stevenage, the HP1 Maylands distribution belt at Hemel Hempstead, the AL10 office-to- resi pipeline at Hatfield, and out to the CM23 Stansted-fringe market town of Bishops Stortford on the Essex boundary. Twenty distinct towns, twenty different price bands, twenty different bridging books. The county runs along the M1, M25, A1(M) and M11 corridors with Thameslink, Metropolitan-line, Greater Anglia and East Coast Main Line commuter services into King's Cross, St Pancras, Euston, Liverpool Street and Marylebone. That geography shapes everything we do.
This page is a working briefing rather than a brochure. It is written for the people who already know roughly what a bridge is and who want to know how the Hertfordshire market is behaving in 2026, which lenders are pricing each segment, and what a deal actually looks like when it crosses our desk. We cover the regional economic context, the bridging market structure, the eight headline use cases that drive most short-term lending across the county, four sector deep-dives that map to the specific Hertfordshire edge, the lender panel we work with, five worked deal flavours we see month after month, and a forward look into 2027. Read it end to end if you have fifteen minutes, or skip to the section that maps to the case in front of you. Either way, when you want to talk a deal through, the contact details sit at the foot of every page on this site.
Hertfordshire in the East of England economy
Hertfordshire sits inside the Office for National Statistics East of England region for statistical purposes, but functionally the county is a home-counties bridge to London rather than a free-standing East-of-England economy. Around 70% of the working-age population in the southern half of the county commutes into London on a weekly cycle, with the rail-served towns of Rickmansworth, Watford, St Albans, Harpenden, Hatfield, Welwyn Garden City, Stevenage, Hertford, Cheshunt, Hoddesdon, Bishops Stortford and Potters Bar all running direct services to a central London terminus in under 45 minutes. The northern half of the county, taking in Hitchin, Letchworth, Baldock and the SG6 and SG7 belt, sits in a wider Cambridge and London dual-commuter catchment. The western half, taking in Berkhamsted, Tring and the HP4 and HP23 Chilterns AONB belt, sits on the Euston main line into central London with through-services to Birmingham, Manchester and Liverpool.
The motorway spine that frames the county is unusually dense for a population of around 1.2 million. The M1 runs north from London through Watford, Hemel Hempstead and St Albans into the wider East Midlands. The M25 forms the southern boundary at junctions 17 to 25, framing Rickmansworth, Watford, Hemel Hempstead, St Albans, Hatfield, Potters Bar, Borehamwood and Cheshunt. The A1(M) runs north from London through Borehamwood, Hatfield, Welwyn Garden City, Stevenage and Baldock to the wider Cambridgeshire corridor. The M11 frames the eastern edge at Bishops Stortford with direct services to Stansted Airport and Cambridge. The A10 runs the Lee Valley spine from the M25 through Cheshunt, Hoddesdon, Ware and Hertford. The road network and the rail network together support one of the most consistently liquid residential and commercial property markets anywhere in southern England.
The economic structure across the twenty towns runs across half a dozen distinct clusters. Defence and aerospace anchors Stevenage through MBDA Missile Systems, Airbus Defence and Space, and the wider engineering supply chain at Gunnels Wood. Pharma and life sciences anchor Welwyn Garden City through Roche Pharma, Stevenage through GSK Pharma, Ware through the legacy GSK manufacturing site at Priory Street, and Harpenden through Rothamsted Research. Distribution and logistics anchors Hemel Hempstead through the Maylands business district and the Buncefield-area redevelopment, with Amazon, DHL and the wider last-mile logistics base. Office, technology and corporate occupier activity anchors Hatfield through Hatfield Business Park, with Ocado, Computacenter and Mitsubishi Electric. Film and television production anchors Borehamwood through Elstree Studios, BBC Elstree, ITV Studios and Sky, with substantial supply-chain activity radiating out across WD6. Premium independent retail and food, professional services, and high-earning small-business activity anchors the AL1 St Albans, AL5 Harpenden, HP4 Berkhamsted and WD3 Rickmansworth premium belt. The combination supports a deeper and more diverse property book than most counties of comparable size.
The property picture follows that economic structure closely. Recent HM Land Registry data shows around 22,500 transactions across the county over the past eighteen months, with a county-wide median sale price sitting at around £485,000. Within that, the spread is wide. The WD3 Rickmansworth corridor runs at a median near £765,000, the highest in the county. AL5 Harpenden runs near £725,000, HP4 Berkhamsted near £685,000, and AL1 to AL4 St Albans near £635,000. At the more accessible end, SG1 and SG2 Stevenage run around £325,000, EN11 Hoddesdon around £385,000, AL10 Hatfield around £365,000, and SG6 Letchworth around £415,000. The county sits across one of the widest residential price spreads anywhere in the home counties, and that spread shapes the bridging deal flow directly. Premium chain-break, capital-raise and refurbishment work cluster at the upper end. Refurbishment-to-BTL, auction completion and dev-exit work cluster across the middle and lower end. The geography of the deal book maps onto the geography of the price band.
The Hertfordshire bridging market in 2026
Bridging activity in Hertfordshire has held up better through 2025 and into 2026 than most regional markets of comparable size. Three forces explain that. Premium commuter chain-break demand has remained steady through the year on the back of London buyers continuing to trade out to AL5 Harpenden, HP4 Berkhamsted, WD3 Rickmansworth and the wider AL1 St Albans belt. Refurbishment-to-BTL economics still work on the new-town and post-war stock across SG1 Stevenage, HP2 Hemel Hempstead, AL10 Hatfield, EN11 Hoddesdon and EN8 Cheshunt once you assume sensible rent yields. And the development pipeline that ran hot through the office-to-resi corridor at AL10 Hatfield, the Maylands distribution corridor at HP2 Hemel Hempstead and the Elstree Way regeneration corridor at WD6 Borehamwood is now reaching practical completion in volume, generating a wave of development-exit refinance deals into bridging as schemes move from build phase to sales phase.
On rates, the picture in May 2026 is steadier than it was eighteen months ago. The ranges we are pricing across the panel are as follows. Regulated bridging on owner-occupied homes is sitting between 0.55% and 0.85% per month, with the lower end reserved for clean chain-break cases at 65% loan-to-value or below and a clear onward-sale exit. Unregulated standard bridging on investment, buy-to-let and commercial property is running between 0.65% and 1.25% per month, with the bulk of our Hertfordshire book pricing inside 0.75% to 0.95%. Heavy refurbishment and development-exit cases sit at 0.75% to 1.5% per month, with pricing driven by build complexity, the strength of the contractor, and the planned exit. Second-charge bridging behind an existing first sits at the upper end of those bands.
Loan sizes across the county run from £150,000 at the smaller terrace end of EN8 Cheshunt and EN11 Hoddesdon up to £25 million on larger mixed-use sites in WD17 Watford and WD3 Rickmansworth. The middle of the book, where most of our Hertfordshire work sits, is £400,000 to £2.5 million. Terms are short by design. Six to twelve months covers most cases. Eighteen months is available where the works schedule needs it. Twenty-four months is unusual on a standard bridge and is more often a signal that the deal wants to be development finance or term commercial debt rather than a bridge.
Lender appetite has shifted in two specific directions over the past twelve months. First, bridgers writing development-exit business have sharpened. They want clean stock with valid warranties, a clear sales plan, and ideally some pre-completion interest from buyers. Where those boxes tick, pricing has tightened by perhaps 0.1% to 0.15% per month against 2024. Second, refurbishment-to-BTL appetite has improved, helped by gradually settling buy-to-let term-rate expectations. Lenders are more willing to look at a BRR exit at 75% loan-to-value if the stress on the proposed buy-to-let refinance looks deliverable on a five-year fixed at current pricing. Auction stock continues to clear with steady appetite, particularly in WD17 Watford, WD18 West Watford, SG1 Stevenage and EN11 Hoddesdon where two-up two-down terraces and post-war three-bed semis under £400,000 still represent the bulk of lots coming through regional rooms.
What is moving the deal flow in 2026, in plain terms, is a combination of older development books winding down and being refinanced into bridging, ongoing auction supply at the more accessible end of the county price range, a steady stream of landlords adding to portfolios where the refurb arithmetic works, and continuing premium-commuter chain-break demand at the upper end. We see a thinner book of pure speculative purchases, which fits the wider home-counties picture, and we see chain-break activity holding roughly flat against last year. The local lending map is busy without being frantic, which is the kind of market where bridging tends to do its best work.
When Hertfordshire investors use bridging
Bridging in Hertfordshire distributes itself across the eight use cases the master network covers, but the weights differ from a London or a Manchester book. Chain-break bridging for residential buyers across the wider county is the single biggest individual flow, and most of that flow concentrates in the AL5 Harpenden, HP4 Berkhamsted, WD3 Rickmansworth, AL1 St Albans and AL9 Brookmans Park belts. This is regulated work, and we introduce clients to our regulated introducer partners for the regulated element. The typical case is a family-home seller who has accepted an offer on their existing property, has agreed on the onward purchase, and needs to complete the onward move before their sale completes. Six-month terms are common; nine-month terms appear where the onward sale is in a slower chain. Rates here are at the tighter end of the regulated band, helped by clean owner-occupied security and a visible exit through the onward sale.
Auction-completion work runs second in volume and concentrates in WD17 Watford, WD18 West Watford, SG1 Stevenage, SG2 Stevenage, HP2 Hemel Hempstead, AL10 Hatfield and EN11 Hoddesdon. The twenty-eight-day clock from hammer fall to completion is the constraint that defines every conversation. We routinely arrange a valuation booking inside seventy-two hours of taking the auction pack, push for title insurance where the seller's pack is incomplete, and complete inside fourteen days on anything that does not have a quirk in the title or vacant-possession status. Where a buyer is competing for an SG1 post-war semi or a WD18 Victorian terrace, the indicative-terms letter in twenty-four hours is part of the bid package, not an afterthought.
Refurbishment bridging is the workhorse of the Hertfordshire investor book. Light refurbishment work, where the case is cosmetic kitchens, bathrooms, redecoration and a re-let, is common across SG1 Bedwell, HP2 Adeyfield, AL10 Hatfield, EN11 Hoddesdon and WD18 West Watford. Medium refurbishment, where layouts move and works run to three or four months, sits more often in SG4 Hitchin, AL5 Harpenden and the central St Albans and Berkhamsted conservation belts. Heavy refurbishment, including structural changes, full rewires, change of use, and HMO conversion, sits at the more complex end and prices accordingly. Buy-refurbish-refinance work overlaps with the light and medium bands, with the exit being a buy-to-let term loan once the works complete and the property re-values up.
Development-exit bridging is meaningful in Hertfordshire and is growing in 2026. Schemes that took development finance through 2023 and 2024 are reaching practical completion across the county, and the most cost-effective move once units start marketing is usually to step out of the development facility and onto a six-to-twelve- month bridge while sales complete. We see this across small schemes of three to eight units in AL1 St Albans, SG4 Hitchin and HP4 Berkhamsted, and on larger sites of fifteen to forty units around the AL10 Hatfield office-to-resi corridor, the HP2 Maylands distribution corridor, the WD6 Elstree Way corridor and the WD17 Watford High Street regeneration corridor. Capital-raise bridging against unencumbered or low- loan-to-value Hertfordshire assets, used to fund a deposit on the next deal, rounds out the eight and is more common across the AL5, HP4, WD3 and AL1 premium belt than the public market commentary suggests. Below-market-value purchases, planning-gain purchases and second-charge bridging fill in the residual flow.
Sector deep-dives
Premium commuter chain-break (Harpenden, Berkhamsted, Rickmansworth, St Albans)
The premium commuter belt is the single largest concentration of high-value bridging in Hertfordshire. AL5 Harpenden carries a median around £725,000 and routinely produces transactions above £1.6 million on Common-fronting Edwardian stock and Sun Lane inter-war detached. HP4 Berkhamsted carries a median around £685,000 with the central conservation belt around the High Street, Castle Street and Kings Road pushing past £1.4 million on period detached. WD3 Rickmansworth runs the highest median in the county at around £765,000, with the Loudwater, Heronsgate and Chorleywood gated-development belt regularly producing transactions above £3 million. AL1 to AL4 St Albans carries a median around £635,000 with Marshalswick, Fleetville and the Verulamium-fringe family stock pushing past £1.4 million. Bridging activity in this segment runs heavily towards regulated chain-break, with facility sizes typically £700,000 to £3.5 million and rates at the tighter end of the regulated band from 0.55% per month. Capital-raise second-charge against unencumbered stock forms a substantial second flow, with facility sizes £400,000 to £2 million at 55 to 65% LTV. Premium refurbishment bridging on Edwardian, inter-war and Georgian period stock forms a third stream, typically over 12 to 18-month terms with staged drawdowns against conservation-area or listed- building consents.
Watford and Borehamwood film-industry-edge industrial and Class MA
The WD17 to WD25 Watford and WD6 Borehamwood corridor carries one of the most distinctive industrial and commercial bridging books anywhere in the home counties, anchored by the Warner Bros Studios Leavesden production economy on the WD25 fringe and the Elstree Film Studios, BBC Elstree, ITV Studios and Sky cluster across WD6. Film-industry-adjacent industrial bridging is a steady part of the book, with production subcontractors taking facilities to acquire leased premises, consolidate after a contract win, or expand into adjacent units. Rates typically land at 0.85% to 1.05% per month on standard industrial bridging, with the exit usually a commercial term loan against the same security. Loan band typically £500,000 to £2.5 million. Class MA office-to-residential conversion bridging is the second distinctive flow in this corridor. The 2021 prior-approval rights for commercial-to-residential conversion drove a wave of activity through the Elstree Way and Shenley Road regeneration corridor at Borehamwood and the WD17 Watford High Street fringe. Typical case is a 1980s or 1990s three-to-five-storey office building purchased for conversion to 20 to 50 self-contained flats, funded as a 12-to-18-month bridge at 0.95% to 1.25% per month with staged drawdowns against monitoring inspections. Facility sizes typically £1.5 million to £6 million. The exit lands on a portfolio BTL refinance or a developer-led sales programme on the completed flats.
Hemel Hempstead Maylands distribution dev-exit
The HP2 Maylands business district is the largest single concentration of industrial and distribution employment in Hertfordshire, with Amazon, DHL, Britvic and the wider last-mile logistics base anchoring the corridor. The Buncefield 2005 oil-terminal incident damaged a wide arc of industrial and office stock at the eastern end of the corridor, and the comprehensive redevelopment over the intervening twenty years has produced modern distribution units, trade-counter facilities and last-mile logistics stock that now drives a substantial part of the commercial dev-exit book. Schemes that took development finance through 2023 and 2024 are reaching practical completion, and the standard move once units start letting is to step onto a 9-to-12-month bridge while pre-let and sale negotiations complete. Facility sizes commonly run £2 million to £8 million, with rates 0.75% to 0.95% per month on cleaner cases. The exit typically lands on a commercial term loan, an institutional sale to a logistics fund, or a let-and-hold portfolio refinance. The Maylands corridor is one of the most consistent commercial bridging clusters in the wider county and attracts panel-wide lender appetite from MT Finance, United Trust Bank, Octopus Real Estate, LendInvest and the specialist commercial bridgers.
Hatfield Business Park and Welwyn Garden City office-to-resi conversions
The AL10 Hatfield office-to-residential conversion corridor is one of the most active permitted-development pipelines anywhere in the country. The 2013 prior-approval rights for office-to-resi conversion drove a wave of activity through the town centre and the Hatfield Business Park fringe, with around 1,200 units converted over the past five years across the AL10 footprint. The residual pipeline plus newer Class MA prior- approval cases continue to feed the bridging book. Typical case is a 1980s or 1990s three-to-five-storey office building purchased for conversion to 30 to 80 self- contained flats, funded as a 12-to-18-month bridge at 0.95% to 1.25% per month with staged drawdowns against monitoring inspections. Facility sizes typically £2 million to £6 million. AL7 and AL8 Welwyn Garden City carries a smaller but similar flow, with the limited stock around the Welwyn Garden City station and town centre supporting Class MA prior-approval cases of 8 to 25 units. The exit on most cases lands on a portfolio BTL refinance once the converted units let, with occasional cases stepping to a developer-led sales programme on the completed flats. Lender appetite in this segment is concentrated on Octane Capital, Hope Capital, Avamore Capital, Glenhawk and Octopus Real Estate, with the larger ticket sizes attracting institutional capital from LendInvest and Together.
Hertfordshire bridging lenders
Our headline panel is eight lenders, chosen because together they cover the full range of bridging activity in Hertfordshire without duplication. They are MT Finance, Octane Capital, Roma Finance, United Trust Bank, Hope Capital, Together, LendInvest, and Octopus Real Estate. Each prices differently across the segments, and the case for taking a deal to a particular lender turns on where the case sits in the matrix.
MT Finance is the workhorse on standard unregulated bridging up to roughly £3 million, with quick decisions and a clean credit policy. They suit straightforward investment-property purchases and standard refurbishment exits across the SG1 Stevenage, HP2 Hemel Hempstead, AL10 Hatfield and EN11 Hoddesdon book. Octane Capital takes the heavier lift, including heavy refurbishment, mixed-use, light development and more complex security profiles. They are often the right call on a WD6 Borehamwood Class MA conversion case or an AL10 Hatfield office-to-resi conversion where the works are substantial. Roma Finance is strong on refurbishment-to-BTL and the buy-refurbish- refinance pattern that dominates the new-town investor book across SG1 Stevenage and HP2 Hemel Hempstead. United Trust Bank sits at the regulated end of the panel, pricing tightly on owner-occupier chain-break work where the security and exit are clean, with particular appetite for the AL5 Harpenden, HP4 Berkhamsted and WD3 Rickmansworth premium belt. Hope Capital is competitive on mid- band investment bridging and light-to-medium refurbishment, with a useful appetite for less standard properties. Together spans regulated and unregulated, with particular strength on complex circumstances such as adverse credit or unusual borrower profiles where a clean exit makes the case work.
LendInvest moves quickly on larger residential investment cases and on development exit, with technology-driven processes that suit time-sensitive applications. They are a natural home for HP2 Maylands distribution dev-exit cases and AL10 Hatfield office-to-resi pipeline refinances. Octopus Real Estate writes the larger end of the book, including development exit on schemes from £2 million up, mixed-use, and more substantial commercial bridges where institutional capital and bigger ticket sizes are required. They are often the right call on the WD17 Watford High Street regeneration corridor and the larger HP2 Maylands distribution facilities.
Beyond the eight, we work regularly with Shawbrook, Precise Mortgages, Allica Bank, Bridgebank Capital, Avamore Capital, Glenhawk, Aldermore and Kuflink. Each has a niche worth knowing. Shawbrook and Allica price well on cleaner commercial and semi-commercial bridges through the SG1 Stevenage Gunnels Wood corridor, the HP2 Maylands corridor and the Bishops Stortford Stansted-fringe industrial book. Bridgebank, Avamore and Glenhawk all have well-developed appetite for refurbishment and small development work that suits the Hertfordshire investor profile. Kuflink and Precise round out the panel with quick smaller-ticket work and the option of a portfolio approach on multi-property cases. ASK Partners and OakNorth come in on the largest tickets where a commercial relationship and larger lend make sense. The point of carrying that breadth is not to chase the cheapest headline rate on every case. It is to have a credible answer for every case, because the right lender on a Hertfordshire deal is almost never the lender who answered the previous one.
Five recent Hertfordshire deals
1. Auction retail freehold, Watford WD17, fourteen-day completion
A WD17 town-centre mixed-use freehold with ground-floor retail and three flats above bought at a national auction for £785,000 with vacant possession on the retail and a sitting tenant on one of the flats. Bridge of £550,000 at 70% of purchase price plus a small cosmetic refurbishment budget, twelve-month term, exit through a commercial term loan once the retail is re-let and the flat sitting tenant repositioned. Indicative terms inside twenty-four hours of the hammer falling. Valuation booked within forty-eight hours, title insurance applied to bridge a thin search pack, drawdown on day twelve. Rate at 0.85% per month. The cleanest version of the WD17 auction pattern that runs through the Watford book month after month.
2. Premium chain-break, Harpenden AL5, £2.2 million
An AL5 family home seller in the Common-fronting Edwardian belt had accepted an offer on their existing property at £2.6 million, with a delayed completion the buyer's chain could not bring forward. Their onward purchase, a larger property at £3.4 million on Sun Lane, required completion in six weeks. Regulated bridge of £2.2 million arranged at 65% loan-to-value against the onward property, six-month term, exit through completion of the existing sale. Rate at 0.65% per month at the cleaner end of the regulated band. Introduced through our regulated introducer partner for the regulated activity, packaged and completed in eighteen days from instruction. The standard premium chain-break pattern that runs through the AL5 Harpenden book every week.
3. Refurbishment HMO conversion, Stevenage SG1
A four-bedroom SG1 end-of-terrace acquired for £345,000, requiring conversion from a tired family layout into a licensed five-bed HMO serving the wider GSK Pharma, MBDA and Lister Hospital professional rental demand. Total facility of £420,000 covering purchase and works, drawn against gross development value of £525,000 on the assumed completed scheme. Fifteen-month term to allow for planning sign-off, the works programme, and a portfolio HMO refinance on the completed property. Pricing at 1.05% per month, with arrangement and exit terms reflecting the conversion profile and the Article 4 considerations on parts of the SG1 footprint. A case where Roma Finance or Avamore Capital tends to land the deal cleaner than a lighter-touch lender.
4. Development exit, Hatfield AL10 twelve-unit scheme
A twelve-unit residential scheme reaching practical completion in AL10 Hatfield, originally funded on development finance through a Class MA office-to-resi conversion, with four units already reserved and eight to market. Refinance bridge of £3.85 million at 65% of gross development value of £5.9 million, fifteen-month term to allow for unit sales to complete. Step-down in pricing from the development facility of roughly 0.4% per month, providing the borrower with carry savings that more than cover the arrangement fee. Pricing at 0.95% per month. Octopus Real Estate or LendInvest is the typical home for cases of this size and shape, reflecting the office-to-resi conversion footprint that has driven the AL10 book through 2024 and into 2026.
5. Borehamwood film-tourism mixed-use, WD6
A Shenley Road mixed-use freehold opposite the Elstree Studios gates, acquired by a sitting tenant operating a film-tourism cafe and merchandise outlet on the ground floor with three flats above. Purchase price £985,000, bridge of £685,000 at 70% of purchase price plus a working-capital element for the tenant's expansion plans, twelve-month term, exit through a commercial term loan once trading on the expanded operation is established. Rate at 0.95% per month given the mixed-use security and the commercial trading element. Together or Allica Bank is the typical home for cases of this profile, with the film-industry-adjacent commercial activity supporting the credit case at offer.
Outlook 2026 to 2027, and how we work
The forward view for Hertfordshire bridging is steady rather than dramatic. We expect the regulated end of the market to soften modestly through the back end of 2026 as buy-to-let term-rate pricing settles, which should pull regulated bridging pricing down with it. Unregulated standard bridging is likely to hold close to current levels, with competition between specialist lenders keeping pricing honest in the middle of the book. Heavy refurbishment and development-exit pricing will move with the appetite of the larger specialist lenders, and we expect that to remain firm given the supply of completed development stock coming through the AL10 Hatfield, HP2 Maylands and WD6 Elstree Way pipelines. The deal flow itself should hold or grow into 2027, particularly on the refurbishment-to-BTL and development-exit segments, given the structural supply of post-war stock across SG1 Stevenage, HP2 Hemel Hempstead and EN11 Hoddesdon and the wave of dev-exit work continuing into 2027.
The split between regulated and unregulated work on our Hertfordshire book runs roughly thirty per cent regulated, seventy per cent unregulated, reflecting the heavier premium-chain-break flow against most regional bridging books. The regulated portion sits mostly in chain-break cases for owner-occupiers across AL5, HP4, WD3, AL1, AL3 and AL9, with a smaller share of downsizer cases where a homeowner is buying onward before completing the sale of a larger family home. The unregulated portion covers the investor and developer book in full. We are not directly authorised by the Financial Conduct Authority. Regulated bridging on owner-occupied residential property is regulated by the Financial Conduct Authority, and we introduce regulated cases to authorised partners who carry out the regulated activity and provide any required advice. We do not give advice on regulated mortgages, regulated bridging, or investment products.
On timelines, the standard expectations apply. Indicative terms inside twenty-four hours of a complete enquiry. Full underwriting in three to five working days once the lender has the pack. Valuation in five to ten working days depending on the valuer's diary and the access situation at the property. Legal completion in five to ten working days after valuation, with auction cases pushed harder using title insurance where the seller's pack supports it. Total elapsed time from first call to drawdown sits between ten and twenty-one days on most cases. Auction cases run faster, with seven to fourteen days achievable where the pack is clean.
On fees, we are transparent. Lender arrangement fees typically run at 1.5% to 2.0% of the loan, added to the facility on most products. Valuation is payable on a case-by-case basis, with a typical residential valuation for a Hertfordshire family home at around £600 to £1,200. Legal costs sit at both borrower and lender side, typically £1,500 to £4,000 per side on standard cases, with the premium chain-break book occasionally running higher on the larger ticket sizes. Exit fees are zero on most products. Broker fees, where charged, are disclosed in writing before any work starts.
How we work is simple. A short triage call to understand the deal, the security, the timeline and the proposed exit. A written summary of indicative terms inside twenty-four hours, identifying the two or three lenders best placed to fund the case. A packaged submission with a valuation booking and legal instruction ready to go on lender selection. Then steady, weekly progress until drawdown. We do not run drip-email funnels, we do not chase clients through aggressive call cycles, and we do not promise rates we cannot deliver. The Hertfordshire bridging market rewards specific work done at speed. That is what we set the desk up to do.