Bridging Loans in Leeds: 14 Real Deals, Real Rates
Median Leeds loan £85,000 at 1.05% a month, and a median 57 days from application to funds. These are Lendlord's own files, LS7 to LS26.
Leeds · 14 deals · December 2021 to May 2026
1.05%Median Leeds rate per month
1 of 14 Leeds deals priced at or below 0.75%, in 2021. Since 2025, rates across our book start at 0.92%.
Current terms
Bridging now goes up to 80% LTV
From 13 October 2026, Lendlord bridging goes up to 80% LTV. A below-market buy can still reach 90% of the purchase price.
Four Leeds numbers from our files
Every local file in the 272 recent Lendlord bridging deals approved for disclosure, December 2021 to May 2026. Based on Lendlord aggregated data.
- £85,000
- Median Leeds loan
- 57 days
- Median Leeds time to funds
- 50%
- Leeds bridges that bought at auction
- 51%
- Median value uplift after works
Where the regional medians sit
Median loan, rate, LTV and days to funds for Yorkshire and the Humber are on the Yorkshire and the Humber bridging loans page. This page keeps the Leeds deals, and does not repeat those medians.
Where in Leeds we lend
LS12 leads with 5 of our 14, then LS9 with 3. Both sit in or near the new selective licensing areas, Armley and Burmantofts and Richmond Hill.
50% of the files were auction buys, and 50% were unmodernised or needed major works. 86% were repaid by refinance.
Our Leeds lending has been lighter since 2025, with 3 deals. That is too few to quote a recent Leeds median, so we do not.
Where Leeds borrowers pointed the bridge
Auction buys lead our Leeds files, ahead of buy-to-let purchases and refurbishments. 7 of the 14 homes had no kitchen or running water at purchase, and all 7 of those plan a refinance exit.
- Auction bridging (7 files)
- Bridging for a rental purchase (4 files)
- Refurbishment bridging (3 files)
- Unmortgageable property (7 files)
What the Leeds headline said, and what the deals show
Our product pages quote from 0.75% pm and funding in 5 days. Here is each claim next to the 14 Leeds files.
| Headline term | Local files | 272 disclosed bridging deals |
|---|---|---|
| From 0.75% pm | 1 of 14 at or below 0.75%. Lowest 0.66% (2021) | 5 of 272, none since 2025. Since 2025: lowest 0.92%, median 1.10% |
| Funding from 5 days | Today's process can fund within 5 days. AI checks your ID and bank statements in minutes, one solicitor acts for you and the lender, and loan papers are drafted automatically. On the files as funded, the fastest took 19 days. | Fastest 2 days. 2 of 218 timed deals within 7 days. Median 57 days |
| Up to 80% LTV | Highest gross LTV on these files 75% | The cap is now 80% of value. A below-market buy can still reach 90% of the purchase price. |
| Loans from £30k | Smallest £50,000, largest £200,000 | £30k is the current product floor |
Price today's lot on today's terms. Since 2025, rates across our book start at 0.92%. Source: pooled Lendlord records.
Leeds bridges by monthly rate
Every Leeds file, December 2021 to May 2026.
- 0.75% or less
Deals: 1 deals
- 0.76% to 0.95%
Deals: 3 deals
- 0.96% to 1.10%
Deals: 8 deals
- Over 1.10%
Deals: 2 deals
Every Leeds bridge since 2021
14 loans, LS7 to LS26. Amounts rounded down to £5k.
| Funded | District and type | Purpose and condition | Loan | LTV | Rate pm | Days | Exit |
|---|---|---|---|---|---|---|---|
| 2021 | LS26 end terrace | Auction, unmodernised | £120,000 | 65% | 0.66% | 185 | Refinance |
| 2022 | LS12 end terrace | Auction, medium works | £70,000 | 75% | 0.85% | 19 | Sale |
| 2023 | LS13 end terrace | Refurb, medium works | £120,000 | 70% | 1.11% | 88 | Refinance |
| 2024 | LS12 semi | BTL, unmodernised | £100,000 | 75% | 0.83% | Not timed | Refinance |
| 2024 | LS12 terrace | Auction, unmodernised | £50,000 | 66% | 1.05% | Not timed | Refinance |
| 2024 | LS12 terrace | Auction, not recorded | £60,000 | 75% | 1.05% | 31 | Sale |
| 2024 | LS12 terrace | Refurb, medium works | £85,000 | 75% | 1.15% | 68 | Refinance |
| 2024 | LS13 bungalow | Auction, minor works | £100,000 | 71% | 1.10% | 60 | Refinance |
| 2024 | LS15 semi | BTL, unmodernised | £200,000 | 69% | 0.85% | Not timed | Refinance |
| 2024 | LS26 terrace | Refurb, unmodernised | £65,000 | 72% | 1.05% | Not timed | Refinance |
| 2024 | LS7 flat | Auction, unmodernised | £85,000 | 67% | 1.02% | 41 | Refinance |
| 2025 | LS9 end terrace | BTL, medium works | £90,000 | 75% | 1.07% | 54 | Refinance |
| 2026 | LS9 terrace | Auction, unmodernised | £75,000 | 67% | 1.06% | 23 | Refinance (live) |
| 2026 | LS9 flat | BTL, minor works | £80,000 | 52% | 1.00% | 64 | Refinance (live) |
Not timed marks a timeline outlier, left out of the 57-day median. Unmodernised: no working kitchen or running water at purchase. Exits are repaid unless marked live. 4 rows: timeline outlier, excluded from speed figures. Based on Lendlord aggregated data.
Who we lend to on a Leeds auction or refurb
The criteria we apply, matched against the 14 local deals.
Three Leeds files worth reading
Source: pooled Lendlord records.
Auction · 19 days
LS12 end terrace, the fastest Leeds file
- £70,000
- Loan
- 75%
- LTV
- 0.85%
- Rate pm
- 19 days
- Completion
- Funds released 19 days after application. That is our Leeds record, not the norm.
- Bought for £90,000 with £15,000 of works, then sold.
Funded 2022 · 9-month term · Sale · Repaid
Auction · lowest rate
LS26 end terrace at 0.66% a month
- £120,000
- Loan
- 65%
- LTV
- 0.66%
- Rate pm
- 185 days
- Completion
- The only Leeds deal under 0.75%, funded in 2021.
- A £100,000 refurbishment took the value to £400,000, then a refinance cleared the bridge.
Funded 2021 · 12-month term · Refinance · Repaid
Auction · sold on
LS12 terrace, a quick resale
- £60,000
- Loan
- 75%
- LTV
- 1.05%
- Rate pm
- 31 days
- Completion
- Purchase £95,000, works £10,000, valued at £155,000.
- Funded in 31 days with interest serviced monthly, then repaid early by sale.
Funded 2024 · 12-month term · Sale · Repaid
Bidding on a Leeds lot this month? Ring 020 8191 9611 and we will test the refinance before the hammer falls.
Leeds licensing and planning checks
Leeds has two schemes to check: selective licensing and Article 4.
Worked bridging cases from our finance webinar
Our webinar on financing a purchase online, with worked case studies and the application tracker.
Case studies and the online application, from first quote to tracked completion
Price a Leeds bridge
The Leeds median is £85,000 at 1.05% a month over 12 months, with a 2% fee. Start there.
Indicative monthly rate
0.82%
Monthly interest
£2,050
Cost of the loan
- Total interest
- £24,600
- Arrangement fee (2%)
- £5,000
- Valuation fee
- £750
- Legal fee
- £1,500
- Admin fee
- £350
- Total cost of finance
- £32,200
Day one and exit
- Net advance on day one
- £245,000
- Gross loan repayable at exit
- £274,600
Low risk - best pricing
At or below 50% LTV you qualify for our lowest rate band and the fastest underwriting.
Month-by-month repayment schedule
| Month | Interest | Balance | Cost to redeem |
|---|---|---|---|
| 1 | £2,050 | £252,050 | £252,400 |
| 2 | £2,050 | £254,100 | £254,450 |
| 3 | £2,050 | £256,150 | £256,500 |
| 4 | £2,050 | £258,200 | £258,550 |
| 5 | £2,050 | £260,250 | £260,600 |
| 6 | £2,050 | £262,300 | £262,650 |
| 7 | £2,050 | £264,350 | £264,700 |
| 8 | £2,050 | £266,400 | £266,750 |
| 9 | £2,050 | £268,450 | £268,800 |
| 10 | £2,050 | £270,500 | £270,850 |
| 11 | £2,050 | £272,550 | £272,900 |
| 12 | £2,050 | £274,600 | £274,950 |
Indicative only, for deal screening - not an offer or a lending decision. Rates band by LTV, term and property type. Interest is charged on the loan amount at the headline monthly rate; the total is the same whichever structure you pick, only the cashflow differs. Third-party fees are estimates and vary by property and solicitor.
Leeds fee lines, from arrangement to legal
Arrangement fees ran from 1.8% to 2.0% on our Leeds loans. Three files paid no valuation fee, and none carried an exit fee.
| Fee | Local files | 272 disclosed bridging deals |
|---|---|---|
| Arrangement fee | 1.8% to 2% of the loan | Median 2% |
| Valuation fee | £375 to £495 (3 with no charge recorded) | Median £495 |
| Lender admin fee | £375 to £990 | Median £795 |
| Lender legal fees (estimated) | £1,000 to £1,995 | Median £1,550 |
| Exit fee | None on these files | 2 of 272 |
| All fees as a share of the loan | 2.8% to 6.2% | Fixed fees weigh most on small loans |
All-in costs ran from 2.8% to 6.2% of the loan. Legal costs are shown for the 11 files that recorded them. Aggregated from Lendlord's own data.
Leeds sale prices by district
HM Land Registry median price paid in the districts we lend in, September 2025 to August 2026.
| District | Our deals | Sales registered | Median price paid |
|---|---|---|---|
| LS12 | 5 | 407 | £185,000 |
| LS13 | 2 | 389 | £199,000 |
| LS15 | 1 | 428 | £270,000 |
| LS26 | 2 | 378 | £245,000 |
| LS7 | 1 | 243 | £275,000 |
| LS9 | 3 | 246 | £170,000 |
| All Leeds | 14 | 7,911 | £249,999 |
Standard sales only, Open Government Licence. The latest months under-count. ONS average Leeds rent: £1,145 a month in August 2026, 4.2% up on the year.
What Leeds lets earn for Lendlord landlords
Rent and value recorded on 356 let Leeds homes owned by Lendlord landlords, against the Yorkshire and the Humber figure. Snapshot at 30 September 2026.
| Figure | Leeds |
|---|---|
| Median rent a month | £890 |
| Middle half of rents | £740 to £1,156 |
| Gross yield | 7.1% |
| Median value | £155,500 |
| Share with a mortgage | 56% |
| Homes counted | 356 let, 407 owned |
Monthly rent as recorded on each let. Values are owner estimates, not valuations. Middle half means the 25th to 75th percentile. Based on Lendlord aggregated data.
A median Leeds let earns £890 a month on a £155,500 home, a 7.1% gross yield. The ONS average for Leeds is £1,145.
At 145% cover on a 5.5% stress rate, £890 supports about £134,000 of buy-to-let mortgage. A 75% loan on £155,500 is £116,500, so value sets the remortgage on these medians. Check both before you bid.
Leeds homes by EPC band
Leeds lodged 217,550 domestic certificates from October 2016 to October 2026, the most of the six areas we cover. 49.2% rated D or lower.
- Band A
Share of certificates: 0.8% (1,652)
- Band B
Share of certificates: 12.5% (27,284)
- Band C
Share of certificates: 37.5% (81,514)
- Band D
Share of certificates: 35.2% (76,661)
- Band E
Share of certificates: 10.3% (22,489)
- Band F
Share of certificates: 2.6% (5,745)
- Band G
Share of certificates: 1.0% (2,205)
Leeds auction calendars
7 of our 14 were auction buys. These rooms sell Leeds lots.
Auction House West Yorkshire
Leeds and Bradford lots. Next sales: 21 October 2026 and 16 December 2026.
Pugh Auctions
National online, Yorkshire lots.
William H Brown Auctions Leeds
Leeds.
Dates as listed on 7 October 2026. We are not linked to these houses.
Sean Land, a builder who funds auction projects with Lendlord, captioned one of his TikTok videos with this line:
…complete auction deals in days, not weeks…
From auction gavel to funds in Leeds
7 of our 14 Leeds files were auction buys, so the clock starts at the hammer. The fastest reached funds in 19 days, and the median across 10 timed files was 57.
- Legal pack and ID in. AI reads your ID, bank statements and company papers in minutes, running identity, sanctions and fraud checks.
- Refinance exit tested. Underwriting stress-tests the exit. On 12 of the 14 local deals, that exit was a buy-to-let remortgage.
- Dual representation. One solicitor acts for lender and borrower, which keeps the auction completion on one desk.
- Papers once conditions clear. Loan documents generate as soon as the offer conditions are met, so funds follow the last condition.
We can fund from 5 days on a clean file. On a no-kitchen terrace, book the valuation the day the lot is won.
Leeds exits: refinance first
12 of 14 Leeds bridges were repaid by refinance. In a licensing area, the order of steps matters.
- Licence first. In a selective licensing area, apply for the licence before you let.
- Get the works signed off. A buy-to-let valuer wants a finished, lettable home.
- Book the valuation as the works finish. Every week of delay is a week of interest.
- Refinance. The mortgage pays off the bridge.
What to send with a Leeds application
Leeds deals lean on auctions and refinance exits, so pack for both. Add licensing papers when the house sits in a selective licensing area.
Related Lendlord pages
Our Manchester bridging page covers the other side of the Pennines. For auction specifics, read the 112 auction deals analysis. To check today's pricing, see current bridging rates.
Trustpilot reviews from Lendlord customers
Customers across the UK on speed, rates and service.
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Leeds bridging FAQ
Can I get a Leeds bridging loan at 0.75% a month?
It has happened once in our Leeds book, in 2021. Since 2025, the lowest rate across all our bridges is 0.92%.
How fast is a Leeds bridge?
The median Leeds file took 57 days from application to funds. The fastest took 19.
Does selective licensing affect my bridge?
It affects the exit. A refinance lender may want the licence in place. Check the Leeds selective licensing areas.
Further reading for a Leeds auction refinance
Most of our Leeds loans follow one route: an auction lot bought unmodernised, then a remortgage. These guides take that route from bid to refinance.
- Bridging a lot bought under the hammer: Completion dates and legal packs.
- Bridging a house with no kitchen: Stock a mortgage lender will not take.
- Passing the buy-to-let ICR test: Check the refinance before you bid.
- The auction lots we funded, by size, exit and timing: Loan sizes, exits and speed.
- Model a lot before bidding: Yield and cash flow on one screen.
- Bridging across the Pennines in Manchester: Another northern city page.
Clare Harris
Bridging Loan Specialist and Director of Growth at Lendlord · 12+ years in loans and lending · Rechecked the Leeds rates and timelines against all 14 files
Last reviewed
How the Leeds figures were built
These files come from the disclosed set, funded December 2021 to May 2026. Leeds clears our 10-deal bar, so the medians are Leeds figures.
4 records are timeline outliers. They stay in the table but out of the 57-day median, which rests on 10 deals. Districts only, amounts rounded down to £5k.
Bidding on a Leeds terrace?
Send the lot and your works plan. We will price it on today's terms, not a headline.
Who provides the service
Lendlord Limited, company 11973095, runs the landlord software. The registered office is Churchill House, 137-139 Brent Street, London, NW4 4DJ. The public name is Lendlord.
Lendlord Finance Limited, company 13696524, uses the trading name Lendlord Capital for bridging. It lends that loan itself. Mortgage and remortgage applications are a separate service.
Lendlord Finance Limited arranges those mortgages as an appointed representative of Windfall Limited. The FCA authorises Windfall Limited under firm reference 225908. The mortgage itself comes from a lender on that panel.
Lendlord Limited is registered for account information services, so a bank feed can be read with your consent. That registration is not permission to lend, and it is not permission to arrange a mortgage.
Bridging on this page is secured on property in England and Wales. Lending here goes up to 80% LTV. A below-market buy can still reach 90% of the purchase price.