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

Bridging loans are an excellent choice if you need rapid property financing! Here, we discuss the opportunities if you don't have a deposit and require a 100% LTV bridging product.

  • Type of loan
  • help Maximum 75% LTV
  • help Maximum 70% LTV
  • help Maximum 70% LTV
  • help Maximum 65% LTV
  • help We will lend against current market value of the asset with vacant possession
  • £7,500,000
    help You cannot exceed the maximum loan available based on the maximum LTV for the corresponding type of property selected above
  • 75%
    help You cannot exceed the maximum LTV available for the corresponding type of property selected above
  • Loan details
  • 0
  • help Term should be entered in whole months, to a maximum of 12
  • help Deducted interest is where the forecast interest amount is deducted from the loan on day one.
  • help Serviced interest is where the interest is paid on a monthly basis. If serviced interest is chosen, evidence will be required to show your ability to pay interest when it is due.
  • Purpose of loan
  • Interest rate
  • help This is the standard rate for the property type chosen
  • help You can enter a custom rate below our standard rate for the calculation, but the availability of this rate is not guaranteed
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Minimum term (months) ___
Assumed arrangement fee @ 2% (min £2,000) ___
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Can I Get a Bridging Loan at 100% Loan to Value?

Revolution Brokers often deals with enquiries for bridging finance, with no deposit, or very little to put down. There are 100% Loan to Value 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 business finance broker on 0330 304 3040 or send us an email to to get the application process started.

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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