100% LTV Bridging Loans

Using Additional Security

Portfolio landlords often qualify by using an unencumbered or low-geared property as additional security. The lender places a charge over both assets, reducing risk and allowing a higher loan amount.
For more on refinancing after refurbishment, see our Buy to Let Mortgages page

Who Is Eligible for 100% Bridging Finance

These facilities are usually suited to:
• Property traders
• Developers
• Portfolio landlords
• Professional investors

Lenders expect experience, a clear exit strategy, and strong supporting security where required.

How to Secure a 100% Bridging Loan

Working with a specialist broker gives you the best chance of success. At GPS Financial, we manage the entire process for you, including
• Packaging the application for lender approval
• Arranging valuations
• Structuring deals using discount or cross-charged assets
• Supporting your refinance, such as onto a Buy to Let mortgage once works are complete

For projects involving refurbishment, you can also explore our Refurbishment Bridging Loans page

Do You Need a Deposit

You do not need a deposit for a 100% LTV bridging loan. Instead, you must provide either a large enough discount on the property or a secondary property for additional security.

Improving Your Chances of Approval

Portfolio landlords can strengthen their application by
• Reducing borrowing on at least one rental property
• Keeping at least one asset mortgage-free
• Maintaining clean financial records and up-to-date tenancy schedules

This gives lenders greater confidence and increases available leverage.

Benefits of a 100% Bridging Loan

A 100% LTV bridging loan allows you to
• Fund an entire project without upfront cash
• Move quickly when opportunities arise
• Complete purchases within days
• Keep liquidity available for refurbishment or operational costs

As with all bridging finance, interest for the term is deducted at completion, so the net loan amount is lower than the gross facility. Investors often rely on additional security or strong discounts to bridge this gap.

Real Life Example

One of our clients, a portfolio landlord from the Midlands, secured a three-bed terrace at a substantial discount. The vendor needed a fast sale, so the price was agreed well below the surveyor’s valuation. The property was valued at £150,000 and the purchase price agreed was £105,000.  Following a successful valutin report we organised a bridging facility for 100% of the purchase price. 
The property needed a light refurbishment and once refurbished the property was valued at £170,000 with a loan of £127,500 allowing the client to pay the bridging loan off in full. 

Contact Us

If you want to explore whether a 100% bridging loan could work for your next project, our advisers can talk you through the numbers and assess your available options. Call 029 2267 7707, or contact us here