£850,000 100% Bridging Loan to Secure Residential Investment

• Client: UK-Based Property Investor
• Property Type: Residential Investment Property
• Purchase Price: Circa £850,000
• Loan Amount: £850,000
• Loan Type: 100% Bridging Loan
• Purpose: Time-Sensitive Acquisition with Cross-Collateralisation

Global Bridging Finance was approached by an experienced property investor who had identified a strong residential investment opportunity requiring immediate action. The purchase was time-sensitive, and the vendor sought a fast and certain completion, making traditional mortgage financing unsuitable.

While the client did not wish to inject additional cash into the transaction, they held significant equity across other unencumbered and lightly leveraged properties within their portfolio. The client therefore sought a 100% bridging solution, structured using additional security rather than a cash deposit.

Global Bridging Finance assessed the client’s wider asset position and structured a 100% bridging loan secured against both the subject property and an additional property owned by the client. This cross-collateralised approach enabled the full purchase price to be funded without capital input.

A specialist bridging lender was identified who was comfortable with the combined loan-to-value across multiple properties and the client’s clearly defined exit strategy. Indicative terms were issued promptly, followed by swift credit approval.

Valuation and legal work were coordinated across both assets to avoid delays, and the loan was structured on an interest-only basis to maintain cashflow flexibility. Funds were released in time to meet the required completion deadline, allowing the client to secure the property without compromise.

The client’s planned exit is to refinance the newly acquired property onto a long-term buy-to-let mortgage, while retaining the additional property as part of their broader portfolio.

This case demonstrates how 100% bridging loans can be structured effectively using additional security, enabling investors to act quickly without tying up cash.