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60% LTV Bridging Loans

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60% LTV Bridging Loans

Straightforward funding for time-sensitive purchases and projects
Last updated: January 2026

GPS Financial arranges bridging loans up to 60% LTV for property investors, landlords and developers. This option suits clients with a stronger deposit or existing equity. It can also widen your lender choice, depending on criteria and your exit strategy.

Most people use a 60% LTV bridging loan when timing matters. It gives you flexibility while you arrange longer term funding. It can also support purchases, refurbishment works and deals where structure matters as much as speed.

Want a quick estimate before speaking to an adviser? Use our Bridging Loan Calculator to get an initial guide.

What a 60% LTV Bridging Loan Can Be Used For

A 60% LTV bridging loan can support many property goals, including:
• Solving a chain break when you need to act quickly
• Buying a property while you wait for your sale to complete
• Completing a purchase while longer term finance goes through
• Funding refurbishment works to reach mortgageable standard
• Supporting conversions or development to increase value
• Buying at auction when completion timescales are short

For planning considerations, see Gov.uk Planning Permission.

Understanding 60% Loan to Value

LTV means loan to value. It compares the loan amount to the property value used as security. With a 60% LTV bridging loan, the lender advances up to 60% of the property value. You cover the remaining 40% with a deposit or existing equity.

Example: A property valued at £200,000 could support a loan up to £120,000. You would contribute the remaining £80,000. A lower LTV can simplify lender decisions. However, pricing and speed still depend on the full details of the deal.

How Much Can You Borrow?

GPS Financial arranges 60% LTV bridging loans from £25,000 to multi million pound facilities. Terms often run from 3 to 12 months. Some lenders may offer longer terms, depending on the project and criteria.

Lenders base the loan size on the property value and the exit strategy. They also look at the overall deal structure. We shape the funding around your deadlines and end goal. This keeps the loan workable from start to finish.

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Real Life Example

A UK based investor agreed to buy a vacant residential property. The property needed internal refurbishment before a standard refinance would work. The investor had strong equity and wanted to keep cash for the works. They also needed to complete quickly.

GPS Financial arranged a 60% LTV bridging loan and completed in around three weeks. This secured the property and allowed works to start promptly. We agreed the exit strategy from the outset.

After the refurbishment, the property reached mortgageable condition. The client then refinanced onto a long term mortgage and repaid the bridge as planned.

Costs and Considerations

The overall cost depends on the loan amount, monthly interest and the term. It also includes arrangement fees, valuation costs and legal fees.

We set out the expected costs clearly before you proceed. We also explain how each element works, so you understand the full commitment. The structure matters as much as the headline rate, especially when the exit plan drives the timeline.

Contact Us

If you are exploring a 60% LTV bridging loan for a purchase, refurbishment or development, the team at GPS Financial is here to help. Call 029 2267 7707 or visit our Contact Page to speak with an adviser.

Bridging finance is a short term funding solution and may not be suitable for all circumstances. Availability and terms depend on the property, the borrower profile and the exit strategy.

 

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Why GPS Financial?

Leading property finance specialists
We remove the stress and the paperwork
Match you with the right deal for you
No case too big or too small

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You focus on the build, we’ll handle the funding.