85% LTV Bridging Loans

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85 Percent LTV Bridging Loans

High leverage bridging finance for fast-moving buyers and investors

Edited: November 2025

An eighty five percent LTV bridging loan gives you access to significantly more borrowing than a standard bridge. Most lenders stop at seventy five percent; however, specialist lenders can push this to eighty five percent. This means you can act quickly without tying up large amounts of your own capital.

At GPS Financial, we arrange eighty five percent LTV bridging finance for homeowners, landlords, investors and developers across the UK. If you need to move fast on a purchase, complete a refurbishment or secure a deal before someone else steps in, our team can help.

For a wider overview, you can also visit our Bridging Loans page

What You Can Use an 85 Percent LTV Bridge For

You can use an eighty five percent LTV bridging loan for
• urgent purchases
• auction deals
• conversions
• refurbishments
• any property-related use with a clear exit strategy

Terms typically run up to twelve months. Since this is fast, short-term lending, the interest is higher than a standard mortgage. However, a strong repayment plan can keep the overall project profitable.

Why 85 Percent LTV Matters

An eighty five percent loan to value bridge increases your leverage. As a result
• you need less money upfront
• you gain more buying power
• you access deals that standard lenders cannot support
• you can take on projects that need short-term funding to unlock long-term value

For many clients, the extra ten percent is the difference between securing a property or losing it to a cash buyer.

Real Life Example

A client in Swindon wanted to purchase a property and convert it into a six bed HMO under permitted development rights. They had limited funds and wanted to keep their deposit as low as possible so they could reserve more capital for the refurbishment.

By using an eighty five percent LTV bridging loan, the client reduced the amount needed upfront. This meant they could secure the property quickly and still keep enough funds back to complete the HMO conversion.

Once the works were finished, we refinanced the client onto an HMO mortgage. This repaid the bridge in full and allowed them to move forward with a long term funding solution that suited their strategy.

How 85 Percent LTV Bridging Loans Work

Eighty five percent LTV bridging loans are secured against the property being purchased. Sometimes, lenders may request additional security. This depends on the condition of the property and the strength of your plan.

Lenders assess
• the valuation
• the condition of the property
• your exit strategy
• your experience, especially for refurbishments or developments

Because higher LTV means higher lender risk, interest rates are usually higher. However, the benefit is increased buying power and faster access to opportunities.

Repayment usually happens when you
• sell the property once improved
• refinance onto a Buy to Let mortgage
• refinance onto a Residential mortgage if it becomes your home

If you want to explore refinance options, visit our Buy to Let Mortgages page

Speak To An Expert

Giving you peace of mind while you sit back and let us do all the work for you while finding you the best deal for your financial situation.

Eligibility for 85 Percent LTV Bridging

Most lenders look for
• a clear exit strategy
• a valuation from an approved surveyor
• acceptable credit history
• a viable purchase or project
• suitable property security

Higher LTV means increased scrutiny. Our brokers present your case clearly to improve approval chances and avoid delays.

Why Clients Choose GPS Financial for Higher LTV Bridges

We work with specialist lenders who offer eighty five percent bridging products. These are not widely available on the high street. Since 2013, we have supported clients with ethical advice and straightforward guidance from enquiry to completion.

As an FCA-authorised firm under FCA 975825, we ensure every recommendation is clear, responsible and aligned with your exit strategy.

Contact Us

If you want to explore an eighty five percent LTV bridging loan, speak with an adviser today.
Call 029 2267 7707, or contact us and our team will be in touch.