80% LTV Bridging Loans

80% Net LTV Bridging Loans

Fast, flexible finance when you need maximum leverage on day one

Edited: December 2025

GPS Financial arranges 80% net LTV bridging loans for property developers, landlords and investors who want to minimise their upfront cash contribution while keeping projects moving at speed. These loans are ideal when you need fast access to capital for refurbishment, conversions or development, especially when a property needs work before it becomes mortgageable.

With whole-of-market access and specialist expertise, we arrange 80% net LTV bridging finance from £200,000 to £25 million, typically for up to 18 months. Loans can be agreed within days, allowing you to secure opportunities quickly and keep your development on track.

You can use an 80% net LTV bridging loan to
• Convert commercial units into residential under permitted development rights
• Complete heavy refurbishments such as extensions, loft conversions and structural work
• Upgrade or convert a property for rental or resale
• Bring a property to mortgage-ready condition for long-term finance

This level of leverage helps you reduce the amount of cash tied up at the start of a project; essential when juggling multiple sites or when materials and labour need funding immediately.

For related project types, see Refurbishment Bridging Loans.

And for further support see our Bridging Loan Calculator

How 80% Net LTV Bridging Loans Work

The lender assesses the project, the current asset value and the end value once works are complete. If the exit strategy is strong and security is sufficient, the lender may offer up to 80% of the property value upfront, with interest typically rolled into the loan.

Terms are usually between 6 and 18 months, giving you enough time to complete the works and refinance onto a mortgage or sell the property once the uplift in value has been achieved.

If you are completing structural works or planning a change of use, see the official Gov.uk planning permission guidance for clarity on when permission is required.