Fiduciam cuts interest rates on bridging and development loans across the UK and Europe

By Bridging Loan Directory 8th May 2025

Fiduciam, the institutional bridging and development lender operating across the UK and several EU countries, has announced a series of rate reductions on its loan products.

Interest rates on bridging loans have been lowered by 0.95% in the UK, 1.56% in Spain, 1.35% in Germany, and 1.95% in Ireland. Similarly, development loan rates have been cut by 1.02% in the UK, 0.92% in Spain, 0.98% in Germany, and 1.64% in Ireland.

These reductions reflect Fiduciam’s continued confidence in the property finance market and its ongoing efforts to support borrowers with competitive and flexible lending solutions.

The decision has been driven by greater stability in the real estate sector, the strong performance of Fiduciam’s loan book, and declining central bank and interbank rates across its key markets.

Following these changes, interest rates on Fiduciam’s bridging loans now start at 9.09% in the UK, 9.60% in Spain, 9.60% in Germany, and 8.67% in Ireland.

Development loan rates now commence at 9.94% in the UK, 9.60% in Spain, 9.96% in Germany, and 9.52% in Ireland.

All Fiduciam loans are offered with fixed interest rates, ensuring borrowers benefit from predictable financing costs throughout the loan term.

Fiduciam lends against a wide range of real estate assets, including residential, commercial, mixed-use, and industrial properties.

The lender offers loans of up to 70% loan-to-value (LTV) and up to 90% loan-to-cost (LTC), enabling both developers and investors to access funding for acquisition, refurbishment, and construction projects.

Johan Groothaert, CEO of Fiduciam, said:

“We are pleased to offer lower interest rates, helping our clients access more competitive bridging and development finance for both residential and commercial real estate, and reinforcing our commitment to providing flexible, cost-effective solutions that meet their evolving needs.

This solution-driven approach, combined with up to 70% loan-to-value, 90% loan-to-cost and fast turnaround times, makes many clients choose Fiduciam over traditional bank lenders.”