Fiduciam has announced significant interest rate reductions across its bridging and development loan products, affecting its pricing in both the UK and European property finance markets.
The institutional lender, which operates across multiple European jurisdictions, has cut rates by as much as 1.95%, with new fixed-rate terms now starting at 9.09% for bridging finance in the UK and as low as 8.67% in Ireland.
Development finance begins at 9.94% in the UK, following a 1.02% rate reduction, while similar cuts have been applied across its operations in Spain, Germany and Ireland.
The revised pricing reflects what Fiduciam describes as greater macroeconomic stability and improving conditions within the real estate sector. It also points to the strong performance of its loan book and falling benchmark rates across central bank and interbank markets in its core territories.
Rates for bridging finance have been reduced by 0.95% in the UK, 1.56% in Spain, 1.35% in Germany and 1.95% in Ireland. Development loans have seen cuts of 1.02%, 0.92%, 0.98% and 1.64% respectively across the same jurisdictions.
All Fiduciam products are issued on fixed-rate terms, offering borrowers certainty over their repayment costs at a time of ongoing economic recalibration across the continent. The lender’s product range includes loans secured against residential, commercial, industrial and mixed-use assets. It offers up to 70% loan-to-value and 90% loan-to-cost, with use cases spanning acquisition, refurbishment and development.
Johan Groothaert, chief executive 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.”
