100% LTV Bridging Loans: Unlocking Full Financing Opportunities

Bridging finance has long been a trusted solution for property investors, developers, and high-net-worth individuals who need rapid access to short-term capital. Among the various options available, 100% loan-to-value (LTV) bridging loans stand out as one of the most powerful – but also one of the most specialist – forms of short-term finance.

For borrowers, securing the full purchase price without needing to contribute significant equity upfront can be a transformative experience. However, these loans come with specific requirements, and lenders will typically look at additional security or strong exit strategies to ensure the arrangement is viable.

In this blog, we’ll explore how 100% LTV bridging loans work, when they are most suitable, and what borrowers should consider before applying.

What is a 100% LTV Bridging Loan?

A 100% LTV bridging loan is a short-term loan in which the lender provides the full amount required to purchase a property. Unlike standard bridging finance, which typically requires borrowers to contribute a deposit or equity, a 100% facility covers the entire purchase price.

These loans are most commonly used when:

• A borrower has additional assets to use as security (such as another property).
• There is a strong and realistic exit strategy, such as refinancing or a confirmed sale.
• The property is being purchased at a price below market value, creating built-in equity.

When is a 100% Bridging Loan Suitable?

1. Auction Purchases – Buyers often face tight deadlines at auction. With a 100% facility, they can move quickly without needing to liquidate other assets.
2. Chain Break Situations – A buyer may need to complete on a new property while waiting for the sale of an existing home. A 100% LTV loan can bridge the gap without requiring upfront cash.
3. Property Development and Refurbishment – Investors can acquire and improve properties without tying up personal capital, provided they have additional security and a clear refinancing plan in place.
4. High-Net-Worth Individuals – Wealthy clients often hold multiple properties and can leverage their portfolio to secure 100% funding, keeping cash flow free for other ventures.

Key Considerations

While the benefits of 100% LTV bridging loans are clear, there are important points to bear in mind:

• Additional Security – Lenders typically require a second property or asset as collateral. This reduces risk and ensures the loan remains safe for both parties.
• Exit Strategy – Borrowers must demonstrate how the loan will be repaid, usually through refinancing, sale, or alternative finance.
• Valuations – Independent valuations are essential. If a property is purchased significantly below market value, this can strengthen the case for 100% funding.
• Timeframe – These facilities are designed for speed. With the right documentation, funds can often be released in a matter of days.

Why Work with a Specialist Broker?

100% LTV bridging loans are highly specialist products, and not all lenders offer them. Working with an experienced bridging finance broker like Global Bridging Finance ensures:

• Access to a wide network of lenders who are comfortable with complex structures.
• Fast, professional execution to meet tight deadlines.
• Guidance on structuring deals and securing additional security where required.
• Confidence that the facility is tailored to both short-term needs and long-term financial goals.

Final Thoughts

For the right borrower, a 100% LTV bridging loan can unlock opportunities that might otherwise be out of reach. Whether completing a time-sensitive auction purchase, bridging a property chain, or acquiring a development site, these facilities provide flexibility and speed.

However, they require careful planning, additional security, and a robust exit strategy. By working with a specialist broker, clients can navigate the complexities of 100% LTV bridging loans and secure funding that aligns with their objectives.

At Global Bridging Finance, we regularly arrange bespoke 100% LTV facilities for clients across the UK, leveraging our deep market knowledge and lender relationships to deliver tailored solutions, quickly and efficiently.