Finding high loan-to-value bridging finance can be challenging, especially when you need fast access to funding and want to reduce the amount of capital required upfront. 85% bridging finance may help borrowers access short-term property finance at a higher loan-to-value while they arrange a sale, refinance or longer-term funding solution.
Whether you are purchasing a property, refinancing an existing loan, buying at auction, or releasing equity from property, Discount Mortgages can help you search the market for suitable 85% bridging finance options.
We make 85% bridging finance as simple as possible.
The overall cost for comparison is variable and will depend on your circumstances. Please ask for a personalised illustration.
To get a suitable 85% bridging finance quote, your advisor will review the property value, loan amount, available security, credit profile, income position, timescale and intended exit strategy. Discount Mortgages can compare available lenders and help identify a solution that matches your short-term funding requirements.
If you need a higher level of borrowing than a standard bridging loan may offer, 85% bridging finance could provide a flexible option. It is often used by homeowners, landlords, investors, developers and businesses who need quick access to property-backed finance.
85% bridging finance is a short-term secured loan where borrowing may be available up to 85% of the property value or available security. This percentage is known as the loan-to-value, or LTV.
This type of finance is designed to bridge a temporary funding gap while you arrange your exit strategy. This may include selling a property, refinancing onto a mortgage, completing a development project, or repaying the loan from another confirmed source.
Because 85% LTV is considered high loan-to-value lending, lenders will usually assess the application carefully. Strong security, a clear repayment plan and suitable borrower circumstances are usually important.
There are several reasons why borrowers may consider 85% bridging finance. The main benefit is access to a higher level of short-term funding, which may help when you have limited deposit funds or need to complete a property transaction quickly.
Another benefit is flexibility. Bridging finance may be suitable where standard lenders cannot help due to timescales, property condition, complex income, auction deadlines or a short-term funding gap.
85% bridging finance may help you:
85% bridging finance may be suitable where the property has a strong valuation, the borrower has a clear exit strategy and the security available is acceptable to the lender. It may be used for residential property, investment property, buy-to-let, commercial or semi-commercial property, depending on lender criteria.
Some lenders may require additional security to support an 85% bridging loan. This could include another property or asset where suitable. Your advisor can review your circumstances and explain what options may be available.
Lenders will usually assess the property value, loan-to-value, borrower profile, credit history, loan purpose, security, timescale and repayment strategy. The exit route is especially important because 85% bridging finance is designed to be short term.
Common exit strategies include selling the property, refinancing onto a residential mortgage, moving onto a buy-to-let mortgage, arranging commercial finance, completing a development project, or repaying the loan from another confirmed source.
Finding the right 85% bridging finance can be complex because not every lender offers high loan-to-value bridging loans. Discount Mortgages can help you compare suitable options and guide you through the application process from enquiry to completion.
Our advisors can help assess your requirements, search available lenders, explain the costs, and support you with the paperwork required for your 85% bridging finance application.
Our advisors will do their very best to keep you informed at every stage:
Just need to enter some basic information into our online enquiry form and we will search the market for suitable 85% bridging finance options.
Or if you prefer, call us today and speak with an advisor who can discuss your property, loan amount, available security, timescale and exit strategy.
85% bridging finance is subject to status, valuation, lender criteria, affordability checks and available security. Your home, property or security may be repossessed if you do not keep up repayments on a loan or mortgage secured against it.
