£3.1 Million Residential Bridging Loan to Secure Prime London Property

• Client: HNW UK National
• Property Value: Circa £5,000,000
• Loan Amount: Circa £3,100,000
• Loan Type: Residential Bridging Loan

Global Bridging Finance was recently approached by a high-net-worth UK client seeking fast access to funds to acquire a prime residential property in Central London. The property, valued at approximately £5 million, was being offered at a reduced price due to the vendor’s personal circumstances. To secure the opportunity, the client required a bridging loan of around £3.1 million on an urgent basis.

The client already owned a substantial property portfolio, but with existing borrowings and limited liquidity, speed and structuring were essential to ensure completion within the vendor’s tight timeframe. Given the time-sensitive nature of the deal, the client required a broker and lender capable of moving quickly, providing certainty of funding and flexibility regarding the exit strategy.

Within 24 hours of the initial enquiry, Global Bridging Finance presented indicative terms to the client. Leveraging our established relationships with specialist lenders, we secured a facility that offered a loan-to-value ratio of over 60% against the target property. Remote valuations and streamlined legal processes were employed to ensure a seamless execution.

The loan was finalised and funds were released within three weeks, allowing the client to complete the purchase without risk of losing the property. This bridging solution provided the client with time to arrange a longer-term refinancing strategy once the acquisition had been completed.

This case demonstrates Global Bridging Finance’s ability to structure and deliver complex, high-value residential bridging loans under considerable time pressure. By combining market expertise with access to a broad panel of lenders, we were able to secure the required funding efficiently and seamlessly.