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core product range

BRIDGING

Standard Bridge

70% LTV @ .59% per month

75% LTV @ .65% per month

50% LTV @ .49% per month

  

Specialist Below MV

90% LTV  based on 75% of OMV @ .85% per month 

  

100% LTV based on 75% of OMV @ 1.15% per month

  

Auction Finance

up to 90% of Hammer Price @ .69% Per month 

  

  

Developer's Exit 

up to 70% of GDV @ .70% per month

Development

Standard Developer

60% Loan to GDV up to 85% of cost 6.75% per annum

2% arrangement fee

1.5% of loan exit fee 

Min loan £1,000,000

Specialist Developer

65% Loan to GDV up to 90% of cost 8% per annum

2% arrangement fee

2% of loan exit fee

Min Loan £2500,000

JV

Development Finance

100% of costs funded 

Min 25% POC required

50% Equity share to funder

2% arrangement fee

2% of loan exit fee

Buy to let

Single Self Contained Units

for Portfolio 

and

Non Portfolio landlords

2 year fixed rates from 2.79%

5 year fixed rates from 3.39%

HMO and MUFB

2 year fixed rates from 3.39%

5 year fixed rates from 3.49%

Loans are available to both Limited Companies and Individuals 

ICR Stress Test Assessed

Commercial Term Loans

up to 75% LTV Rates from 5.69% per annum 

(trackers)
Fixed rate options please call

Semi Commercial Loans

up to 75% Rates from 

5.49% per annum 

(trackers)

Loans are available to Limited Companies, LLP, SPV and  Individuals .

Commercial Mortgages
VAT lOANS

Standard

VAT

Loans

 Rates from 1.60% per month 

65 day term period

The purchase of your asset or commercial property must be valued at least £250,000

VAT Loans start from £50,000  (there's no upper limit)

 

The lender takes charge of the VAT recovery process.

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Trading Address

River Commercial

River House
3-4 John Prince's St
London, W1G 0JL

Registered address

​​

Trinity Court, Church Street, Rickmansworth, United Kingdom, WD3 1RT

Company status

Active

©2026 River Commercial (All Rights Reserved)

River Commercial is a trading style of River Commercial Ltd and is authorised by the Financial Conduct Authority under reference 726737

https://register.fca.org.uk/s/

Registered in England and Wales. Companies House registration number 08854786. FIBA Number NAC10469. ICO Number ZA554275 

River Commercial is licensed finance intermediary & credit brokerage River Commercial does not provide advice or recommendation or any regulated financial products. The registered address is Batchworth House, Batchworth Place, Church Street, Rickmansworth, Herts, WD3 1JE

A guide to our fees

Privacy Policy

Terms of Business

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Bridging Finance
Buy to Let / Commercial
Development Finance

Bridging Finance Calculator

Short-term lending 1–24 months. Rates from 0.79%/month.

£
£
0.79%1.5%
1m24m

Results

LTV
71.4%
Monthly Interest
£3,950
Total Interest
£23,700
Total Repayable
£523,700
Arrangement Fee (est. 2%)
£10,000
Indicative only. Subject to valuation and legal services.

Buy to Let & Commercial Mortgage

BTL from 2.2% | HMO from 2.9% | Commercial from 3.55%+BBR

£
50%85%
2.2%8%
530

Results

Loan Amount
£300,000
Monthly Payment
£875
Annual Payment
£10,500
Rental Needed (125% ICR)
£13,125
Yield Required
3.3%
Indicative only. Subject to credit and underwriting.

Development Finance Calculator

Up to 90% of costs / 75% LTGDV. Rates from 7.95% p/a.

£
£
£
50%75%
7.95%14%
6m36m

Results

Max Facility
£1,300,000
Total Costs
£1,200,000
% of Costs Funded
100%
Est. Interest (rolled-up)
£175,500
Indicative Profit
£624,500
Profit on Cost
52%
Indicative only. Subject to planning, QS and lender underwriting.
Ready to proceed?Speak to a River Commercial specialist for the best terms.
Call 020 7493 4631