£1.9M 100% Bridging Loan to Acquire Prime Investment Property Without a Cash Deposit

• Client: Property investor
• Challenge: Complete acquisition without using cash deposit
• Loan Amount: £1.9M

The client required full funding for the acquisition while maintaining access to capital across their wider investment portfolio. Speed was a critical factor, as competing interest from other investors created pressure to exchange contracts quickly.

Global Bridging Finance arranged a £1.9M 100% bridging loan, secured against the property being acquired together with additional residential investment assets already owned by the client. The combined security position provided sufficient equity coverage to support the structure without requiring a cash contribution towards the purchase price.

The facility was arranged over a 12-month term, with retained interest incorporated to reduce short-term cashflow commitments and maximise flexibility during the investment period.

This structure enabled the client to complete the acquisition rapidly while retaining available capital for future opportunities. The lender's assessment focused on overall portfolio strength, available supporting equity, borrower experience, and a clearly defined exit strategy.

The client's exit strategy involved refinancing onto a long-term buy-to-let investment facility following completion of light refurbishment works and an updated valuation. A secondary exit route included the sale of another portfolio asset to reduce overall leverage if required.

The 100% bridging loan enabled the client to secure a valuable investment opportunity without introducing additional capital into the transaction while maintaining flexibility across their wider portfolio.

This case demonstrates how 100% bridging loan structures, subject to available equity and supporting security, can help experienced investors move quickly on attractive property opportunities while preserving liquidity.