£1.6M 100% Bridging Loan Structured Using Additional Security for Prime Residential Acquisition

A £1.6M 100% bridging loan enabled a client to secure a prime residential property without introducing additional cash into the transaction, using supporting property assets as additional security.

The client identified a high-quality residential acquisition opportunity in a competitive market where certainty of execution and speed of completion were essential. Although the client held significant equity across their wider property portfolio, they preferred to preserve liquidity for other strategic commitments rather than deploy capital into the purchase.

A structured bridging facility secured across multiple assets enabled the transaction to proceed within the required timeframe.

Key Details

• Client: Private individual
• Challenge: Secure acquisition without deploying cash deposit
• Loan Amount: £1.6M

The client required short-term funding that would allow the purchase to complete quickly while maintaining flexibility across their wider asset base. Preserving liquidity was particularly important given parallel investment commitments underway at the time.

Global Bridging Finance arranged a £1.6M 100% bridging loan, secured against the property being acquired alongside additional supporting residential property security. By structuring the facility across multiple assets with sufficient combined equity coverage, the lender was able to support the full purchase price within an agreed short-term funding framework.

The facility was structured over a 9-month term, with interest retained to minimise immediate servicing requirements during the bridging period.

This approach enabled the client to complete within the vendor’s required timeframe while maintaining flexibility to arrange longer-term funding after acquisition. The lender’s assessment focused on combined asset strength, available equity across supporting security, and a clearly defined exit strategy aligned with refinancing plans.

The client’s exit strategy involved refinancing onto a longer-term residential mortgage secured against the newly acquired property following completion. A secondary exit option included partial capital release from other portfolio assets if required.

The structured bridging facility enabled the client to proceed with a prime residential acquisition without introducing additional capital into the transaction while preserving liquidity across their wider portfolio.

This case demonstrates how 100% bridging loan structures (subject to asset profile and supporting security) can support borrowers requiring flexibility when securing time-sensitive property opportunities.