Large Bridging Loans
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Large Bridging Loans
Fast, flexible finance for high-value residential or commercial projects
Edited: November 2025
Large bridging loans provide short-term funding between £1 million and £250 million. They help you move quickly when a major opportunity appears and traditional finance is too slow.
At GPS Financial, we arrange large bridging loans for experienced investors, developers, and commercial buyers across the UK. As a result, clients benefit from our whole-of-market access and long-standing expertise. We also structure the funding to support a clear, realistic exit strategy.
For more detail on standard facilities, you can also visit our main Bridging Loans page.
When Large Bridging Loans Are Used
Large bridging loans support residential and commercial projects that need fast access to capital. For example, they are commonly used to:
• Secure high-value property before competitors
• Develop or refurbish a property so it becomes mortgage-ready
• Fund commercial acquisitions or mixed-use developments
• Convert buildings into HMOs or multi-unit schemes
• Finance large development sites or multi-phase projects
As a result, they are popular with developers, commercial investors, high-net-worth clients, and businesses needing capital quickly while long-term finance is arranged. If your project involves heavy refurbishment, our Refurbishment Bridging Loans page may also help.
Example of a Large Bridging Loan in Practice
A client identified a vacant commercial building in Bristol with planning potential for eighteen residential units. However, competition was high and the seller required exchange within fourteen days.
The client had development finance lined up; however, they needed immediate funds to secure the site. Consequently, we arranged a £4.2 million bridging facility at seventy per cent loan to value with a twelve-month term.
This allowed the client to complete the purchase, progress valuations, and finalise planning. Once planning was approved, the bridging loan was repaid through the development facility.
Ultimately, speed made the difference; without bridging, the opportunity would have been lost.
Key Features of Large Bridging Loans
Large bridging loans typically offer:
• Loan sizes from £1 million to £250 million
• Terms from twelve to twenty-four months
• Up to eighty per cent loan to value depending on the project
• Interest retained or rolled up
• Multiple assets accepted as security if needed
• Fast legal and valuation processes to support urgent completions
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What Is a Large Bridging Loan?
A large bridging loan provides rapid access to high-value funds when traditional lenders cannot complete in time. Therefore, specialist lenders can offer facilities from £1 million up to £25 million or more.
Lenders assess experience, income, company accounts, assets, and the strength of the exit route. As a result, these loans are often used by businesses buying new commercial sites, funding expansion, or covering cash flow while long-term finance is arranged.
Individuals may use them for major renovations, structural works, or preparing a property for a standard mortgage. Furthermore, because amounts are substantial, lenders may require additional security, corporate guarantees, or personal guarantees.
Therefore, taking professional advice ensures the loan structure suits your project.
Costs Involved with Large Bridging Loans
Typical costs include:
• Arrangement fees of around two per cent
• Monthly interest between zero point six and one point two five per cent
• Broker, valuation, and legal fees
• Specialist solicitor fees for complex titles or multiple securities
In addition, you should work backwards from project profit to confirm affordability. Bridging loans behave differently to mortgages; therefore, the faster you exit, the more cost-effective the loan becomes.
If you are comparing long-term refinancing options, our Buy to Let Mortgages page can help.
Ready to Discuss Your Project?
If you are considering a large bridging loan or want guidance on structuring finance for a high-value project, the GPS Financial team is ready to support you. With whole-of-market access, we secure transparent, ethical solutions tailored to your exit strategy.
Call us on 029 2267 7707 or visit www.gpsfinancial.co.uk to get started.
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