£1.8 Million 100% LTV Bridging Loan for Residential Purchase

Client: UK-Based High-Net-Worth Individual
Property Value: Circa £1,800,000
Loan Amount: £1,800,000
Category: 100% LTV Bridging Loan

Global Bridging Finance was approached by a client seeking a 100% LTV bridging loan to secure a prime residential property without requiring an upfront deposit. The property, valued at approximately £1.8 million, was in a competitive market area, and the client wanted to move quickly to secure the purchase.

Traditional mortgage routes were unsuitable due to the client’s need for speed and the desire to fully leverage available equity. The client required a fast and flexible bridging solution that could provide 100% of the purchase price and allow refinancing once the property was in their ownership.

The Solution

Global Bridging Finance sourced a specialist lender willing to provide a 100% LTV bridging facility, secured solely against the property. By leveraging our extensive network and experience in high-value, time-sensitive transactions, we were able to present indicative terms to the client within 24 hours of enquiry.

The loan was structured on an interest-only basis, allowing manageable repayments during the bridging period. Valuation and legal processes were expedited, ensuring the loan could be completed in under three weeks, meeting the client’s tight timeframe.

Outcome

The client successfully secured the property without requiring a deposit, thereby preserving liquidity for other investments. The bridging loan provided immediate access to capital, allowing them to act decisively in a competitive market. Once the property was fully owned, the client planned to refinance into a standard residential mortgage.

This case demonstrates Global Bridging Finance’s expertise in delivering high-value 100% LTV bridging solutions, enabling clients to secure properties quickly while preserving financial flexibility.