£5.9M 100% Bridging Loan Enables Investor to Secure Trophy Residential Asset Without a Cash Deposit

• Client: Professional property investor
• Challenge: Acquire a high-value residential property without using a cash deposit
• Loan Amount: £5.9M

The client required full acquisition funding while retaining available capital for portfolio growth and future investment opportunities.

Global Bridging Finance arranged a £5.9M 100% bridging loan, secured against the property being acquired together with additional high-value residential investment properties already owned by the client. By taking security over multiple assets, the lender was able to structure funding covering the full purchase price while maintaining an acceptable overall loan-to-value position.

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

The lender assessed the combined security package, overall equity position, borrower experience, and a clearly defined exit strategy. The strength of the client's wider property portfolio enabled approval within the required timeframe.

Completing the acquisition without using a cash deposit allowed the client to preserve substantial liquidity, which was subsequently allocated towards refurbishment works and additional investment opportunities elsewhere within the portfolio.

The client's exit strategy involved refinancing onto a long-term investment mortgage following completion of refurbishment works and an updated valuation. A secondary exit route included the sale of a separate investment property to reduce overall borrowing if required.

The 100% bridging loan enabled the client to secure a rare investment opportunity while preserving capital and maintaining flexibility across a substantial property portfolio.

This case demonstrates how 100% bridging loans can provide sophisticated funding solutions for experienced investors by leveraging additional property security to finance the full purchase price of a property.

Why Use a 100% Bridging Loan?

100% bridging loans are commonly used to:

• Purchase property without a cash deposit
• Leverage equity across an existing portfolio
• Preserve liquidity for future investments
• Secure high-value opportunities quickly
• Bridge the gap before long-term refinancing

For experienced investors and high-net-worth borrowers, 100% bridging finance can provide maximum flexibility while supporting continued portfolio growth.