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Can I Get a Bridging Loan at 100% Loan to Value?

Can I Get a Bridging Loan at 100% Loan to Value?

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Revolution Brokers often deals with enquiries for bridging finance, with no deposit, or very little to put down. There are 100% LTV bridge loans available, but the qualification criteria tend to be very strict.

In this guide, we'll explain how to improve your chance of getting a 100% bridge loan. For more assistance, or to assess whether you'd be likely to be approved, give us a call on 0330 304 3040, or drop us a message to

How do 100% Loan to Value Bridge Loans Work?

A bridge loan at 100% LTV means that you do not put down any deposit. This product isn't the norm, as most bridge loans required at least a 25% to 30% deposit as an absolute minimum.

Few select lenders will offer 100% loans, but the circumstances must be right. You will need additional security to mitigate the risk.

What are the Risks of 100% LTV Bridge Finance?

The risks are that you have borrowed 100% of the finance you need to make your investment - and therefore if anything goes wrong, the property or other assets you have used as security is at risk of repossession.

Fees are also higher, and you will need to pay for a valuation of every security asset.

What are the Eligibility Criteria for 100% Bridging Loans?

Lenders will assess every application on its own merit, but will look for:

  • A rock-solid exit strategy, with no risk that you will be unable to repay the loan.
  • Clear credit history with no defaults or severe credit issues.
  • Property development experience, in similar projects of a similar size.
  • High level of security with assets that are easy to sell in a repossession scenario.

Are There Bridging Loans at 85% or 90% LTV?

There are, and if you have a small deposit, you have a better chance of approval than if you are applying for a 100% bridge loan.

This is still outside the norm, but a whole-of-market broker can help identify whether there are bridge lenders out there who will consider a smaller deposit in return for greater security.

Can I Get a Bridging Loan at the Market Value of my Property?

One of the best options, if you need to borrow above the standard bridge loan LTV, is to look for a lender who will lend against the property's market value, rather than against what you are buying it for.

Your market value will be what the property is expected to achieve for sale on the open market, so if you are buying at a low price, for example through an auction, the equity might act in place of a deposit.

Which is Better for a 100% LTV Bridge Loan - Unregulated or Regulated Finance?

Bridge loans are regulated if they are to finance a residential home, overseen by the Financial Conduct Authority standards.

Any other bridge loan for commercial investment or buy to let will be unregulated, and the terms agreed on a case-by-case basis with the lender.

Therefore the right type of bridge loan will depend on why you need the loan, and what you will use the property for.

Bridging Loan Advice at 100% LTV

If you need a bridge loan at a high LTV or don't have a deposit available, the best possible chance of finding the right lending is to work with a whole-of-market broker.

Contact Revolution on 0330 304 3040 or send us an email to to get the application process started.

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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