Auction360 Lender Speed Index
The UK's definitive speed benchmark for bridging, development and commercial lenders.
Speed is the most critical performance metric in short-term property finance. Whether you are buying at auction, refinancing a bridge, completing a development exit or acquiring commercial property, a lender's behavioural speed profile determines completion certainty, valuation turnaround, underwriting responsiveness, legal efficiency and drawdown reliability.
How lender speed is measured
DIP
How quickly a lender issues an initial decision.
Valuation
How fast valuation is instructed, completed and returned.
Underwriting
How quickly documents, queries and approvals are processed.
Legals
How efficiently lender-side solicitors progress the case.
Drawdown
How quickly funds are released once conditions are met.
Overall
The lender's behavioural speed profile end to end.
How each lender is scored
The matrix
Auction & general bridging specialists
| Lender | DIP | Valuation | Underwriting | Legals | Drawdown | Overall |
|---|---|---|---|---|---|---|
| Aspen Bridging | ★★★★★ | ★★★★☆ | ★★★★☆ | ★★★★☆ | ★★★★★ | ★★★★★ |
| MT Finance | ★★★★★ | ★★★★☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★★ |
| Glenhawk | ★★★★☆ | ★★★★☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| MS Lending Group | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| West One Loans | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| Hope Capital | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ |
| Roma Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ |
| Octane Capital | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| TAB | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Ultimate Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Funding 365 | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ |
| LendInvest | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ |
| Mint Property Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Signature Property Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Somo | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★★☆☆ |
| PMJ Capital | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| Bricks Finance | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| Bridge Help | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Buzz Capital | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| KSEYE | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
Scroll the table sideways to see every column.
Heavy refurbishment & development-led bridging
| Lender | DIP | Valuation | Underwriting | Legals | Drawdown | Overall |
|---|---|---|---|---|---|---|
| Avamore Capital | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| CrowdProperty | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| MS Lending Group | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| Hope Capital | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ |
| Roma Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ |
| Mint Property Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Bricks Finance | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| MSP Capital | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| Pluto Finance | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| Plot Point | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| BLG Development Finance | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| Clearwell Capital | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| Apex Bridging | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| BIG Property Finance | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
| CapitalRise Finance | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ |
Scroll the table sideways to see every column.
Commercial & mixed-use bridging specialists
| Lender | DIP | Valuation | Underwriting | Legals | Drawdown | Overall |
|---|---|---|---|---|---|---|
| MS Lending Group | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| Shawbrook Bank | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ |
| InterBay Commercial | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ |
| United Trust Bank | ★★★☆☆ | ★★☆☆☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Castle Trust Bank | ★★★☆☆ | ★★☆☆☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| Alternative Bridging Corporation | ★★☆☆☆ | ★★☆☆☆ | ★★★☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Bridging Finance Solutions | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Acre Lane Capital | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Allica Bank | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Cynergy Bank | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Hampshire Trust Bank | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Mercantile Trust | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Market Harborough Building Society | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Wey Bridging Finance | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Westwood Capital Finance | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
Scroll the table sideways to see every column.
Complex-case / flexible-credit bridging
| Lender | DIP | Valuation | Underwriting | Legals | Drawdown | Overall |
|---|---|---|---|---|---|---|
| Together | ★★★☆☆ | ★★☆☆☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ |
| Octane Capital | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| InterBay Commercial | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ |
| MS Lending Group | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| Hope Capital | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ |
| Roma Finance | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★☆☆ |
| Kuflink | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| KSEYE | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Lendco | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Mercantile Trust | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Signature Property Finance | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Somo | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| TAB | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Ortus Secured Finance | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
| Fox Funding | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ | ★★☆☆☆ |
Scroll the table sideways to see every column.
What the market tells us
Auction lenders are fastest
They optimise for 7–28 day deadlines.
Commercial lenders are slower
Valuation and legal complexity increase turnaround times.
Refurb lenders vary widely
Speed depends heavily on documentation readiness.
Complex-case lenders maintain pace
Non-credit-scored underwriting reduces delays.
Regional lenders are consistent but slower
They prioritise bespoke underwriting over velocity.
Frequently asked questions
Who is the fastest lender in the UK?
Aspen Bridging consistently ranks first on the Auction360 Speed Index.
Which lenders can complete in 7–14 days?
Aspen Bridging, MT Finance, Glenhawk and MS Lending Group.
Which lender is fastest for commercial bridging?
MS Lending Group, Shawbrook Bank and InterBay Commercial.
Which lender is fastest for heavy refurb?
Avamore Capital, MS Lending Group and Hope Capital.
Which lender is fastest for complex cases?
Together, Octane Capital and InterBay Commercial.
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Get Funded Book a Discovery CallThese ratings are Auction360's market assessment, built from published lender criteria, market case studies, broker-reported timelines, solicitor feedback and valuation panel behaviour. They are not a lending decision, a recommendation or a guarantee of approval. Criteria, pricing and availability change, so confirm the current position with the lender or your broker before submitting a case. Your property may be repossessed if you do not keep up payments on a mortgage or any other debt secured on it.