£1.1 Million Personal Bridging Loan for High-End Residential Acquisition

Loan Type: Personal Bridging Loan
Loan Amount: £1,100,000
LTV: 70%
Term: 12 months
Security: High-value residential property
Location: London, UK

The Challenge

A high-net-worth client approached Global Bridging Finance needing fast access to capital to secure a luxury property in central London. The property was available off-market, and the vendor required a quick completion. Traditional mortgages would have taken too long due to the property's bespoke nature and the urgency of the sale.

The client’s existing property portfolio provided strong overall security, but they preferred a personal bridging loan to avoid affecting ongoing mortgages and investment holdings. Speed, flexibility, and certainty of completion were essential.

The Solution

Global Bridging Finance structured a personal bridging loan secured against the new residential property. The loan was arranged at 70% LTV, providing sufficient funding to complete the acquisition while leaving headroom for any immediate refurbishment and ancillary costs.

Our team liaised closely with specialist lenders experienced in high-value personal bridging finance. By presenting a clear exit strategy, refinancing to a standard mortgage or releasing equity from other assets, we were able to secure competitive terms within a short timeframe.

Valuation and legal processes were expedited, with our team coordinating all parties to ensure seamless execution. The client was kept informed throughout, with clear timelines and documentation management.

The Outcome

The £1.1 million bridging loan was completed within three weeks, allowing the client to secure the property without delays. This enabled the client to act on a time-sensitive opportunity, maintain liquidity in their portfolio, and preserve investment flexibility.

This case demonstrates Global Bridging Finance’s expertise in personal bridging loans, delivering rapid, tailored finance for high-value residential transactions where speed and discretion are critical.