High Loan to Value Bridging Loans

We can help you to arrange high loan to value bridging loans for two main reasons.

Loan to Value is calculated against open market value as opposed to 90 day value or forced sale value. This is the most liberal view on the value of a property and allows the maximum valuation.

We will also lend beyond standard bridging loan to values if there is additional security or proof of a higher long term loan to redeem the bridging loan. As an example a client purchased a property at auction and had received a mortgage offer from a high street lender for a 90% mortgage but the lender would not lend as the premises did not have a kitchen or bathroom. We were able to lend beyond 75% in the knowledge that as soon as the kitchen and bathroom were installed to a reasonable standard the client could redeem us using the mortgage offer.

Most bridging loans are not regulated by the FSA.