Interest-Only Mortgage
Flexible, interest-only mortgage solutions — lower your monthly payments while maintaining control over your long-term repayment strategy.
Borrow from £25,000 to £25m for a longer period, from as low as 3.50% per annum.
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What Is Interest-Only Mortgage?
With an interest-only mortgage, your monthly payments cover just the interest on the loan — not the loan amount itself. This means your repayments are lower during the term, but the full loan balance remains outstanding at the end.
You’ll need a clear repayment strategy in place, as the original mortgage amount must be repaid in full at the end of the term. Throughout the mortgage, you’re only paying interest on the borrowed sum.
Interest-only mortgage solutions from £25,000 to £25 million
High-value lending — up to 95% Loan-to-Value (LTV)
Large loan options for residential and investment properties
Flexible lending for complex income — including trusts, bonuses, and offshore structures
Specialist mortgages for UK expats, foreign nationals, and non-domiciled clients
Access to private banks, high street lenders, and specialist interest-only products
FINANCE DEALS
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
COMMERCIAL BRIDGING LOAN TO REFINANCE LONDON HOTEL BEFORE SALE
- AREA
- LONDON
- CAPITAL RAISED
- £13.8m
- AREA
- LONDON
Why Clients Trust Westminster Finance
With the right guidance, interest-only mortgages can offer a flexible, lower-cost way to manage your cash flow and maximise property investment potential.
Here are three reasons why clients consistently choose and trust us.
Market-Leading Rates
We provide access to market-leading rates for every client, thanks to our relationships with close to 100 lenders.
Multi-Award-Winning Team
Our team of mortgage advisers have over 40 years of experience and are qualified to the highest level. We’re proud to have numerous customer service awards to our name.
Fully Independent
Our Experts
Fergus Allen
Head of Bridging CeMAP
Mathew Phillips
Senior Finance Broker CeMAP
Paige Dumpleton
Finance Broker CeMAP
How We Work
1. Get a Tailored Quote
Our bridging specialists will carefully review your plans and provide an honest, expert assessment. You’ll receive an overview of achievable terms, cost estimates, and whether bridging finance is the most suitable option for your situation.
2. Secure a Decision in Principle
Within 24–48 hours, we’ll obtain a Decision in Principle from a trusted lender. This strengthens your position with estate agents and sellers, and if needed, we’ll speak directly with them to support your case.
3. Submit Your Application
Once your offer is accepted, we’ll handle the full application process. From valuations to legal checks, we coordinate with all parties to ensure everything moves swiftly and smoothly.
4. Receive Your Funds
You’ll be kept informed at every step until the funds are released and your purchase is complete. Even after completion, we remain on hand to support you throughout your loan term.
Ready to move fast on your next property opportunity?
Let us help you explore whether interest only finance is the right fit. Our experts will guide you every step of the way handling the details so you can focus on your goals.