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Secured Loans
Interbridge is a broker-only second charge lender that launched in May 2024, offering secured loans up to 95% loan-to-value with a fast, digital-first application process. Here's what you need to know before you apply.
Interbridge Mortgages is a second charge lender that launched in May 2024, founded by a management team who previously built Nemo Personal Finance and Optimum Credit. It's a strong option if you want a fast, digital application process and need to borrow up to 95% loan-to-value (LTV), which is higher than many established competitors.
The main drawback is its limited trading history. If an established track record matters more to you than speed or LTV, lenders like Pepper Money or United Trust Bank may be worth comparing first. Because the right lender depends on your circumstances, it's worth speaking to an advisor to compare Interbridge against a wide range of other lenders.
Interbridge Mortgages is a second charge lender that launched in May 2024, offering interbridge secured loans through a panel of specialist brokers rather than direct applications. In its first year of trading it distributed more than £100 million to over 1,000 customers, and it holds a Trustpilot rating of 4.9/5 from more than 730 reviews.
Interbridge also arranges short-term bridging finance for property transactions, typically over terms of up to 12 months, alongside its core second charge mortgage products.
We're a broker, not a lender. Interbridge doesn't accept applications directly from consumers - its loans are only accessible through specialist brokers, which may involve additional broker fees. We can connect you with brokers who assess whether Interbridge suits your circumstances, or find alternatives from a wide range of other lenders if it doesn't.
Our rating: 4.5 out of 5
Bottom line: Interbridge is a strong option if you need a secured loan quickly and want a modern, digital application process. Its 95% LTV limit means you may be able to borrow more than with some other lenders, though as a broker-only lender, you'll need to apply through a specialist broker rather than going direct. It's a new name in the market, so if an established track record matters to you, it's worth comparing it against longer-standing lenders too.
Quick verdict
Quick verdict
Compare your options
Speak to an advisor about your circumstances. We compare Interbridge against a wide range of other secured loan lenders to help you find a suitable option.
Interbridge Mortgages Limited is a Cardiff-based second charge lender that entered the UK market in May 2024. Despite the recent launch, the team behind Interbridge has decades of experience in secured lending.
The management team previously founded two other secured loan lenders. They established Nemo Personal Finance in 2005, which became part of the Principality Group, and then created Optimum Credit in 2013, which was later acquired by Pepper Money in 2018 and remains one of the largest lenders in the market today.
The team originally specialised in bridging loans before expanding into other secured lending products. This background matters because Interbridge isn't a startup finding its feet - it's an experienced team applying years of sector knowledge to a new lender.
Interbridge grew quickly after launch. Within three months of starting to lend, it had helped 1,000 customers and distributed £60 million in loans. By the end of its first five months, it had surpassed £100 million, ahead of its own forecasts.
Second charge mortgages are typically arranged through a panel of specialist brokers, who assess a customer's circumstances to find a suitable lender. According to Finance & Leasing Association data, secured lending rose by over 40% in two years, reaching £470 million in the first quarter of 2025 - a growing market that Interbridge is positioning itself to capture a share of.
Interbridge Mortgages is authorised and regulated by the Financial Conduct Authority, meaning it must follow rules around responsible lending and treating customers fairly.
It's also a member of the Finance & Leasing Association, the trade body for consumer credit and asset finance providers, which provides additional oversight and reflects a commitment to industry standards.
Your protection: because Interbridge is authorised by the Financial Conduct Authority, you have access to the Financial Ombudsman Service if you have a complaint that can't be resolved directly. You're also protected by the Consumer Credit Act 1974, which governs how lenders must behave.
Before looking at Interbridge specifically, it's worth understanding what a secured loan actually is - especially if you're new to this type of borrowing.
A secured loan - also called a second charge mortgage or homeowner loan - lets you borrow money using your property as security. If you already have a mortgage (the "first charge"), the secured loan becomes a "second charge" on your property.
This differs from unsecured borrowing, such as personal loans or credit cards, because the lender holds your property as collateral. If you don't keep up repayments, they could ultimately repossess your home to recover their money. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Many homeowners take out secured loans instead of remortgaging for a few reasons:
The amount you can borrow depends on several factors:
Available equity and LTV limits only tell you the theoretical maximum you could borrow. Affordability is usually the deciding factor, so it's worth speaking to an advisor early to understand what you could realistically borrow before you commit to a specific loan amount.
This is a theoretical maximum only. Your actual limit will depend on what you can afford to repay each month.
Interbridge offers a range of second charge mortgage products designed for different circumstances. According to the lender, it launched with sixteen product variants covering various needs.
The 95% LTV limit is notable - many secured loan lenders cap at 85% or 90%. This higher limit means Interbridge can potentially help homeowners with less equity access secured lending when other lenders might decline.
Interbridge offers both fixed and variable rate options. Its rates are based on one of two reference rates:
Which reference rate applies to your loan is shown by your account number - accounts starting with 1 are based on the Bank of England base rate, and accounts starting with 2 are based on SONIA. Your actual rate will depend on your circumstances, including credit history, LTV and loan amount, so it's best to speak to an advisor for a personalised, up-to-date quote rather than relying on advertised figures.
Interbridge secured loans can be used for a range of purposes, including combining multiple debts into a single monthly payment through a second charge mortgage.
To apply for an Interbridge secured loan, you'll typically need to meet these criteria:
Interbridge takes a flexible approach to age:
This is more generous than some lenders that cap maximum age at 75. If you're an older borrower with pension income, Interbridge may be more accommodating than some alternatives.
Interbridge considers all types of income when assessing affordability:
Interbridge is known for assessing applications on a case-by-case basis rather than relying on automated scoring alone.
Interbridge doesn't publicly detail its credit criteria, but its positioning as a specialist lender suggests it may be more flexible than high street banks. As a responsible lender, it will still need to be satisfied you can afford the loan.
If you have adverse credit history, don't assume you'll be automatically declined. A specialist broker can advise whether Interbridge is likely to be suitable for your circumstances, or point you towards another lender on their panel that's a better fit.
Interbridge will secure loans against:
Interbridge doesn't currently lend on properties in Northern Ireland.
You can't submit applications directly to Interbridge - it only accepts applications through specialist brokers authorised by the Financial Conduct Authority. Applying via a broker may involve additional fees, but it isn't necessarily a disadvantage. A good broker will:
Interbridge has built its systems around speed. According to its published data, the average application completion time is around 13 days, with some straightforward cases completing in as little as 8 days. More complex cases may take longer depending on individual circumstances. The use of digital signatures and electronic document handling throughout the process helps keep things moving quickly.
How it works
Here's what to expect from enquiry to completion.
Initial enquiry and soft credit check
Your broker submits your basic details to Interbridge. At this stage, only a soft credit check is carried out, which won't affect your credit score.
Decision in principle
Interbridge provides an initial decision based on the information you've provided, aiming for a fast yes or no.
Full application
If you proceed, you'll provide full documentation including proof of income, bank statements, proof of identity and address, details of your existing mortgage, and property information.
Valuation
Interbridge uses digital valuations where possible, including automated valuation models and Hometrack valuations, which can speed up straightforward cases significantly.
Underwriting
An underwriter reviews all your documentation and makes the final lending decision.
Offer
If approved, you'll receive a formal mortgage offer setting out the terms of your secured loan.
Completion
Legal work is completed, funds are released, and your secured loan is put in place.
When taking out any secured loan, you'll face various fees beyond the interest rate itself:
Total setup costs typically range from £1,500 to £3,500, depending on your loan size and the specific products available.
When comparing secured loans, look at the APRC (Annual Percentage Rate of Charge) rather than just the headline interest rate. The APRC includes mandatory fees and gives you a clearer picture of the true overall cost of borrowing.
Because your rate depends on factors like your credit history, LTV and loan amount, published example figures quickly become inaccurate. Ask your broker for a personalised cost breakdown, including the APRC, before you commit to any product.
Don't compare secured loans on interest rate alone. Two products with the same headline rate can have very different total costs once arrangement fees, valuation fees and legal costs are added in - the APRC is a much better like-for-like comparison.
Some Interbridge products come with early repayment charges if you pay off the loan early, while others don't. Products without early repayment charges typically have slightly higher rates but give you flexibility if you:
Ask your broker to explain the early repayment charge terms on any product you're considering.
High LTV lending, up to 95%: Interbridge's willingness to lend up to 95% LTV means more homeowners can access secured lending. If you have less equity but good affordability, this could open doors that other lenders keep closed.
Fast, digital-first process: the use of digital signatures, electronic document handling and automated valuations means applications can move quickly, with average completion in around 13 days.
Flexible income assessment: by considering all income types and taking a case-by-case approach, Interbridge may help borrowers who don't fit neatly into standard criteria.
Experienced management team: the team behind Interbridge previously founded Nemo Personal Finance and Optimum Credit, so this isn't a startup finding its feet - it's an experienced team with a track record in the sector.
Strong customer satisfaction: a 4.9/5 Trustpilot rating from over 730 reviews suggests customers are generally happy with the service, with recurring themes around fast processing, clear communication and helpful staff.
No early repayment charge options: having the choice of products without early repayment charges gives flexibility that not all lenders offer.
Limited track record: Interbridge has only been trading since May 2024. While the team has decades of experience, the company itself is new, and some borrowers prefer the reassurance of longer-established lenders.
Broker-only access: you can't apply directly to Interbridge - you must use a broker. This often results in more personalised advice, but it does mean you can't simply apply through their website.
No Northern Ireland lending: Interbridge only covers England, Scotland and Wales. If your property is in Northern Ireland, you'll need to look elsewhere.
Less brand recognition: unlike established names such as Pepper Money or United Trust Bank, Interbridge is less well known, which may matter if you prefer dealing with familiar brands.
Digital-focused approach may not suit everyone: while the digital process is efficient, borrowers who prefer face-to-face meetings or phone-based support might find it less personal.
Lenders across the second charge mortgage market, including Interbridge and its competitors, are increasingly investing in technology and underwriting to speed up decisions. Here's how Interbridge compares to three well-known names in secured lending.
Pepper Money is a market leader in UK secured lending, having won Secured Loan Lender of the Year at the Mortgage Introducer Awards in both 2024 and 2025.
Interbridge may suit you if: you want faster processing, you're an older borrower needing terms past age 75, or customer service is a priority.
Pepper Money may suit you if: you value a longer track record, need a very large loan of up to £1 million, or want the reassurance of an established market leader.
United Trust Bank has been operating since 1955 and won Lender of the Year (Second Charge category) at the National Mortgage Awards 2025.
Interbridge may suit you if: you need higher LTV lending above 90%, or want faster processing.
United Trust Bank may suit you if: a long track record matters to you, you need a loan of up to £1 million, or you prefer an established high street name.
Tandem Bank, which acquired Oplo, is known for offering competitive rates, particularly at higher LTVs.
Interbridge may suit you if: you want faster processing and a more digital experience.
Tandem may suit you if: you need the highest possible LTV, up to 100%, or your property is energy-efficient and qualifies for a green discount.
Interbridge has built a strong reputation for customer service in a short space of time. Its Trustpilot score of 4.9/5 from over 730 reviews puts it among the highest-rated secured loan lenders.
"The quickest and most effective way of getting a deal done. I was sceptical when the broker said Interbridge are one of the quickest lenders. The whole process took exactly 8 days to complete."
"Excellent service and easy but thorough process. Money was released quickly to help clear away credit card and other debt and bring it all under one roof."
"I have a fantastic experience with Interbridge, they gave me all the information I needed, time to think, and walked me through the process. The contact was easy and consistent, and the app was simple and clear to use."
Interbridge secured loans may suit you if:
Interbridge may not be the best choice if:
Interbridge could be a good fit if:
It may be worth considering alternatives if:
Interbridge has made a strong entrance into the UK secured loan market. In under two years, it has built a reputation for fast processing, strong customer service, and flexible lending criteria.
Its 95% LTV offering is competitive, its digital-first approach appeals to modern borrowers, and its Trustpilot rating of 4.9/5 suggests genuinely satisfied customers.
The main caveat is its limited track record - it has only been trading since May 2024. The experienced team behind it, however, provides some reassurance that this isn't an untested operation.
Who Interbridge could suit:
When to look elsewhere:
We connect you with specialist brokers who can access Interbridge alongside a wide range of other lenders. This means you're not limited to one option - you can compare and find a suitable deal for your circumstances.
Benefits of using our service:
When you get in touch, we'll:
Getting started
Common questions
Yes. Interbridge Mortgages Limited is authorised and regulated by the Financial Conduct Authority. It's also a member of the Finance & Leasing Association. The company was incorporated in 2023 and began lending in May 2024, and is backed by an experienced team who previously founded Nemo Personal Finance and Optimum Credit.
Interbridge Mortgages began lending in May 2024, making it a relatively new entrant to the market. Its management team has decades of experience in UK secured lending, having previously founded two other successful lenders.
Yes. Interbridge Mortgages Limited is authorised and regulated by the Financial Conduct Authority. You can verify its registration on the Financial Conduct Authority's Financial Services Register.
You can only apply through a broker authorised by the Financial Conduct Authority - Interbridge doesn't accept applications directly from consumers. All applications are made via specialist brokers, who assess your circumstances, submit your application on your behalf, and guide you through the process.
The average application completion time is around 13 days, though some straightforward cases complete in as little as 8 days. More complex cases may take longer depending on documentation requirements and property valuations.
Yes. Initially, a soft credit check is carried out that doesn't affect your credit score. If you proceed with a full application, a hard credit check will be conducted.
Interbridge doesn't publish minimum credit score requirements and takes a case-by-case approach to applications. A specialist broker can advise whether your credit profile is likely to be acceptable.
Yes. Interbridge considers self-employed income and takes a flexible approach to income assessment. You'll typically need to provide accounts or tax returns as evidence of your earnings.
Interbridge offers loans up to £500,000 or more, subject to your circumstances. The actual amount you can borrow depends on your property value, existing mortgage, equity and affordability.
Some Interbridge products have early repayment charges, while others don't. Products without early repayment charges typically have slightly higher rates but give you more flexibility. Ask your broker about the options available.
Interbridge may consider applications with an imperfect credit history, but as a responsible lender, it needs to be satisfied you can afford the loan. A specialist broker can advise whether Interbridge is suitable or recommend alternatives from their panel.
Interbridge secures loans against habitable residential properties in England, Scotland and Wales. It doesn't currently lend on properties in Northern Ireland.
Interbridge's rates are generally competitive with other specialist second charge lenders, but the rate you're offered depends on your individual circumstances. Comparing across lenders is essential, and a broker can help identify a suitable deal for your situation.
Contact Central Trust immediately if you're struggling with repayments - they're required to treat customers fairly and may be able to discuss options with you. If you consistently fail to make payments, your home could ultimately be repossessed, which is the key risk of secured lending. You can also get free, independent guidance from MoneyHelper at moneyhelper.org.uk or by calling 0800 138 7777.
What our clients say
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