70% LTV Bridging Loans
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70% LTV Bridging Loans
Fast, flexible funding for property investors and developers
Last updated: January 2026
GPS Financial arranges bridging loans of up to 70% loan to value for landlords, developers and property investors who need short term finance to move a transaction forward. Funding levels depend on the property, the proposed exit strategy and lender criteria.
A 70% LTV bridging loan can provide the capital needed to secure opportunities, fund refurbishment works, or proceed with a purchase without being held back by traditional lending timescales. This type of finance is commonly used when speed, flexibility and structure matter.
A 70% LTV facility is well suited to auction purchases, renovation projects and transactions where momentum needs to be maintained while longer term funding is arranged. With whole of market access and an experienced advisory team, we help clients secure funding on accelerated timescales, often significantly faster than mainstream routes.
Want a rough idea of payments and fees before you enquire? Use our Bridging Loan Calculator for a quick estimate.
What a 70% LTV Bridging Loan Can Be Used For
A 70% LTV bridging loan can support a wide range of property strategies, including:
• Time sensitive property purchases
• Heavy refurbishment or structural improvement works
• Conversions to bring a property to mortgageable standard
• Auction purchases requiring shorter completion periods
• Short term property related cash flow requirements
• Chain break situations where acting as a cash buyer is essential
• Completing a purchase while awaiting a refinance or property sale
For guidance on planning considerations, visit Gov.uk Planning Permission.
How Much Can You Borrow?
GPS Financial arranges 70% LTV bridging loans from £25,000 to multi million pound facilities, typically over terms of 6 to 18 months.
The amount available depends on the value of the property offered as security. It also depends on the strength and clarity of the proposed exit strategy. Common exits include refinancing onto a commercial mortgage or selling the asset.
Each loan is structured around the project itself, ensuring the funding is appropriate, sustainable and aligned with the wider plan.
Real Life Example
A UK based property investor agreed to purchase a semi commercial property. It consisted of a ground floor retail unit with offices above. The building required refurbishment before it would be suitable for long term commercial lending. The seller also required completion within a relatively short timeframe.
The investor needed to preserve capital for the works while securing the purchase. They also needed a clear refinance strategy from the start.
GPS Financial arranged a 70% LTV bridging loan, completing within just over four weeks from initial enquiry to drawdown. This allowed the purchase to proceed without delay while retaining sufficient funds to carry out the refurbishment.
Once the works were completed and the property reached mortgageable condition, the client refinanced onto a long term commercial facility and exited the bridge as planned.
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Why Clients Choose GPS Financial
Clients work with GPS Financial because we understand how bridging finance fits into real property transactions. Since 2013, we have supported landlords, developers and investors across the UK with time sensitive and structured funding solutions.
Our work has been recognised by industry partners, including:
• Best Firm; Bridging and Commercial 2022; Dynamo for Intermediaries
• Quickest Deal to Drawdown; Redwood Bank Broker Awards 2024
Our advisers manage the full process, from initial enquiry and lender selection through to legal coordination and drawdown support. This helps ensure the funding aligns with the exit from day one.
Contact Us
If you are considering a 70% LTV bridging loan or need short term finance for a property purchase or development project, the team at GPS Financial is here to help.
Call 029 2267 7707 or visit our Contact Page to speak with one of our experienced advisers.
Bridging finance is a short term funding solution and may not be suitable for all circumstances. Availability and terms depend on individual criteria and exit strategy.
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