Lender Profile
Interbridge Mortgages Secured Loans
High-LTV second charge specialist with sharp, dynamic pricing that's consistently competitive across the market — up to 95% combined LTV with case-by-case adverse credit acceptance and no-ERC flexibility.
About Interbridge Mortgages
Interbridge is a second charge specialist that prices dynamically at the point of application, and is consistently among the sharpest-priced 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. Two features distinguish Interbridge from every other lender on the Charles Frank Finance panel: dynamic point-of-application pricing (no fixed rate card) and a 95% combined LTV cap that sits at the very top of the UK second charge market.
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 — a materially higher ceiling than most panel lenders. The dynamic pricing structure means every quote requires a live comparison, and recent Charles Frank Finance cases have seen Interbridge quote 6.24% where other lenders were pricing 6.75-7.25% on equivalent criteria.
Interbridge's competitive edge is a combination of funding structure, appetite, and pricing agility. Rather than publishing a static rate card that updates monthly or quarterly, Interbridge prices each case at submission against current market conditions — which lets them win cases on rate where slower-moving lenders (both mainstream specialists and non-panel names) are still repricing to reflect base rate or swap movements. This dynamic approach favours borrowers when rates are falling and creates arbitrage opportunities against fixed-card competitors.
The 95% LTV cap matches Evolution Money's ceiling on our panel but with a different case profile. Where Evolution's 95% LTV Plan 8 is designed for heavy adverse credit (12.90% APR variable), Interbridge's 95% LTV sits within clean-credit or minor-adverse case appetite at materially lower rates — reflecting the same LTV reach but a very different underwriting stance. AVM (Automated Valuation Model) is used where property and case criteria permit, speeding completion where physical valuation isn't required. Completion in 2-4 weeks is standard.
Product range: Second charge mortgages priced dynamically at the point of application (no fixed rate card). 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 considered in the right circumstances. Age limit extends to 80 with pension income.
Best for
- Rate-sensitive clients — dynamic pricing is consistently competitive against the wider market
- Limited equity cases needing up to 95% combined LTV at clean or minor-adverse credit pricing
- Adverse credit cases (up to 4 defaults) assessed individually rather than by hard rule
- Borrowers wanting repayment flexibility with no ERC exposure and unlimited partial overpayments
- Older borrowers to age 80 using pension income (highest age cap on the panel)
- Cases in falling-rate environments where dynamic pricing beats fixed-card competitors
- Cases where AVM speed matters — no physical valuation delay where AVM criteria are met
- High-LTV clean-credit cases that don't fit Evolution's adverse profile but need 90-95% LTV
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 2–4 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
- +Sharp, dynamic pricing that's consistently competitive across the market (recent case at 6.24%)
- +95% LTV — among the highest available in the UK second charge market, matches Evolution's cap at materially lower rates
- +No-ERC products with unlimited partial overpayment flexibility
- +Adverse credit considered individually, not by blanket exclusion — up to 4 defaults case by case
- +Extended age limit to 80 for pension income borrowers (highest on the panel)
- +AVM used where criteria permit — faster completion when no physical valuation needed
- +Falling-rate environment advantage — dynamic pricing responds faster than fixed-card competitors
Cons
- −No published rate table — always requires a live quotation (adviser will run comparison at submission)
- −95% LTV subject to AVM availability — not guaranteed on all properties or case profiles
- −Adverse acceptance criteria not published — case-by-case outcomes vary (though up to 4 defaults considered)
- −Minimum loan £15,000 — Selina, Pepper, Equifinance start from £5,000 for smaller consolidation cases
Interbridge Mortgages FAQs
How does Interbridge's pricing compare to other lenders?
Interbridge prices dynamically at point of application rather than from a published rate card, and on recent cases has consistently come in among the most competitive quotes on equivalent criteria — a recent Charles Frank Finance case was quoted at 6.24%. Rates change daily so we always run a live comparison across the panel 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. This 80-year cap is the highest on the Charles Frank Finance secured loan panel — most competitors cap at 70 or 75. For older borrowers with pension income, Interbridge is the natural first placement.
How does Interbridge compare to Evolution Money for 95% LTV cases?
Both lenders reach 95% combined LTV — the highest on our panel — but for very different case profiles. Evolution's 95% LTV Plan 8 sits at 12.90% variable APR and is designed for heavy adverse credit acceptance where LTV reach matters more than rate. Interbridge's 95% LTV is priced dynamically at clean or minor-adverse credit rates — typically in the 6-9% APR range depending on case profile — making it materially cheaper for borrowers whose credit sits within case-by-case adverse tolerance rather than heavy adverse. For clean or minor-adverse credit at high LTV, Interbridge. For heavy adverse credit at 95% LTV, Evolution.
How does Interbridge compare to Pepper Money for standard cases?
Both are strong panel lenders with different pricing models. Pepper Money uses a tiered credit product structure with published rate criteria — transparent and predictable. Interbridge prices dynamically at the point of application, which means quotes respond to current market conditions and can be very competitive on equivalent cases (a recent Charles Frank Finance case was quoted at 6.24%), but always require a live quotation. Which comes out cheaper depends on the case and the day — we always run both quotes side-by-side before submission.
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.