£950,000 100% Bridging Loan to Secure Residential Investment

A £950,000 100% bridging loan enabled an experienced property investor to acquire a residential investment property without injecting personal capital, by leveraging equity across their existing portfolio.

The client identified a property below market value in a high-demand location. The vendor required immediate completion, leaving only a short window to secure the deal. Traditional lenders were unable to provide full funding without a deposit, making a 100% bridging solution essential.

The Challenge

The client faced several key challenges:

• No available cash deposit to fund the purchase
• Completion required within 14 days
• Property is partially tenanted, limiting mainstream lender options
• Need to preserve liquidity for ongoing projects and other investments

Without immediate funding, the client risked losing a strategically valuable investment opportunity.

The Solution

Global Bridging Finance structured a £950,000 100% bridging loan, secured using:

• First charge on the property being purchased
• Cross-collateralisation with an additional unencumbered property in the client’s portfolio

The blended loan-to-value across the combined assets provided lender security while allowing the client to acquire the property without contributing cash.

The facility was arranged over a 12-month term, with interest retained to ease cash flow during the short-term holding period. Funds were released swiftly to meet the vendor’s completion deadline.

The Exit Strategy

The client’s exit plan included:

• Refurbishment to enhance rental value
• Refinance onto a long-term buy-to-let mortgage
• Sale of the property, if needed, to release capital

The exit was clear, credible, and achievable, satisfying both the borrower's and the lender's requirements.

The Outcome

The 100% bridging loan allowed the client to:

• Acquire a high-potential residential investment without using personal capital
• Complete the purchase within tight deadlines
• Preserve liquidity for other ongoing investments
• Transition smoothly onto long-term buy-to-let finance

This case demonstrates how 100% bridging finance can unlock opportunities that would otherwise be inaccessible, particularly for experienced investors with strong asset backing.