Lender Profile
Interbridge Mortgages Secured Loans
High-LTV second charge specialist with dynamic pricing that regularly beats Pepper Money.
About Interbridge Mortgages
Interbridge is a second charge specialist that prices dynamically, regularly undercutting Pepper Money — one of the most competitive names in the market — on equivalent cases. Their range is built for borrowers who need capital without disturbing an existing mortgage, particularly where equity is limited or a clean-cut mainstream profile doesn't apply.
Products stretch to 95% combined LTV, with no-ERC options giving clients genuine flexibility to overpay or exit without penalty. Adverse credit is assessed case by case rather than by rigid criteria, with up to four defaults considered in the right circumstances. Age limits extend to 80 for borrowers using pension income.
Product range: Second charge mortgages priced dynamically at the point of application. Up to 95% combined LTV. No-ERC products available with unlimited partial overpayments. Clean to adverse credit considered case by case, with up to four defaults in the right circumstances.
Best for
- Clients where Pepper Money is the benchmark — Interbridge often beats them on rate
- Limited equity cases needing up to 95% combined LTV
- Adverse credit cases assessed individually rather than by hard rule
- Borrowers wanting repayment flexibility with no ERC exposure
- Older borrowers to age 80 using pension income
Key facts
- Min Loan
- £15,000
- Max Loan
- £500,000
- Max Term
- 30 years (5–30 year terms)
- Max Ltv
- 95% combined (subject to criteria, affordability and AVM)
- Fee
- Arrangement fee confirmed at quotation (dynamic pricing)
- Credit Tier
- Clean to adverse — up to 4 defaults considered case by case
- Rate Structure
- Dynamic — priced at point of application; no-ERC products available with unlimited partial overpayments
- Completion
- Typically 3–4 weeks; AVM used where criteria permit
- Property Eligibility
- Standard UK residential property. Combined LTV up to 95% subject to criteria, affordability, and AVM availability. Applicant age 21–70 at application, extending to 80 where pension income supports affordability.
Pros
- +Dynamic pricing regularly undercuts Pepper Money on comparable cases
- +95% LTV — among the highest available in the UK second charge market
- +No-ERC products with unlimited overpayment flexibility
- +Adverse credit considered individually, not by blanket exclusion
- +Extended age limit to 80 for pension income borrowers
Cons
- −No published rate table — always requires a live quotation
- −95% LTV subject to AVM availability — not guaranteed on all properties
- −Adverse acceptance criteria not published — case-by-case outcomes vary
Interbridge Mortgages FAQs
How does Interbridge's pricing compare to Pepper Money?
Interbridge prices dynamically at point of application rather than from a published rate card. On recent cases they have consistently come in below Pepper Money on equivalent criteria — a recent Charles Frank Finance case was quoted at 6.24%. Rates change daily so we always run a live comparison before submitting.
What is the maximum LTV Interbridge will lend to?
Up to 95% combined LTV, subject to criteria, affordability assessment, and AVM availability on the property. Not all cases will reach 95% — we assess the realistic achievable LTV before submission.
Does Interbridge accept adverse credit?
Yes. Adverse credit is assessed case by case, with up to four defaults considered in certain circumstances. There is no rigid scoring matrix — each case is reviewed on its individual merits.
Are there early repayment charges on Interbridge products?
Some Interbridge products are available without early repayment charges and also permit unlimited partial overpayments — a strong option for clients who may want to reduce the balance or exit early without penalty.
What is the maximum age for an Interbridge second charge?
The standard maximum age at application is 70, but Interbridge will consider borrowers up to 80 where pension income supports affordability.
Apply for a Interbridge secured loan
We'll match your case against Interbridge's criteria first — and the rest of our panel — to find the cheapest fit.