Bridge Financing Monaco

Applications are accepted from private individuals, investors, or legal entities, including non-residents and international clients. In Monaco, many borrowers use Special Purpose Vehicles (SPVs) or other corporate structures. Key factors considered include the value and liquidity of the property, your exit strategy (i.e., how you plan to repay the loan), your financial standing, and, often, additional collateral or assets if needed. Strong experience in high-value property deals or managing significant assets can improve terms.

As with any financial product, it’s important to understand the costs involved. Like all forms of bridging finance, Monaco bridging loans come with higher interest rates compared to traditional mortgages, but they offer unique advantages such as rapid approval and flexible terms.

Typical Costs for Monaco Bridging Loans:

• Interest Rates: c. 1% per month (equivalent to 12% annually)
• Arrangement Fees: From 1.5% of the loan amount
• Loan Terms: 3 to 12 months, with extensions available up to 36 months if needed

Why Should You Consider a Monaco Bridging Loan?

Monaco's luxury property market remains a magnet for wealthy individuals and investors globally. Bridging loans in Monaco are a highly valuable tool for securing high-value real estate quickly and efficiently, particularly for international buyers or those in need of urgent funding. As a highly prized location demand often outstrips supply, so its important to be able to secure property quickly.

• Quick approval – Offers can sometimes be made in less than 24 hours
• Flexible security options – Use residential or commercial property as security
• No maximum or minimum loan amounts – Tailored to your specific needs
• Competitive rates – Starting from 1% per annum, and depending on circumstances

Our lenders can often provide you with an offer in less than 24 hours, and funds can be available within as little as two weeks, depending on the specifics of the transaction.

Monaco's luxury property market remains a magnet for wealthy individuals and investors globally. Bridging loans in Monaco are a highly valuable tool for securing high-value real estate quickly and efficiently, particularly for international buyers or those in need of urgent funding. As a highly prized location demand often outstrips supply, so its important to be able to secure property quickly.

• Speed and flexibility – Ideal for quick property purchases
• No long-term commitment – Bridging loans can last from a few weeks up to 36 months
• Access to capital – Use the loan to release equity or cover property transactions
• Bridge financing for international buyers – Easy access to capital for non-residents of Monaco

If you're looking to purchase a new property in Monaco before selling your current one, a bridging loan can provide the necessary liquidity to secure the deal without delay.

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Bridging loans are repaid through various exit strategies, including:

• Sale of the secured property
• Refinancing with a long-term mortgage
• Sale of other assets (e.g., business, stocks, etc.)

LTVs in Monaco are generally more conservative than in some other markets due to the high values and prestige of the real estate. Typical LTVs are around 50-70%, depending on the property, your financial strength, residency status, and collateral. In exceptional cases (where extensive security or additional assets are pledged), lenders may consider higher LTVs. Always ensure you have clarity on how much you need and what collateral you can provide.

Because bridging loans are short-term and more flexible, their costs are higher than standard mortgages. Interest rates in Monaco typically start at or around 1% per month, depending on the deal specifics, meaning effective annualised rates can be high. In addition, borrowers should expect arrangement fees, valuation costs, legal fees, and possibly fees for early repayment. These should all be disclosed upfront. Working with a broker who has experience in Monaco ensures no hidden surprises when it comes to costs.