£253,320 Buy-to-Let Bridging Loan Completed in 2 Weeks
A London-based limited company needed to move fast on a buy-to-let acquisition. A2Z Bridging arranged a £253,320 unregulated bridging loan at 75% LTV against a London investment property — with a hybrid repayment structure designed to protect cashflow — and delivered completion in under two weeks.
Deal Snapshot
The Client Scenario
A limited company investor had identified a residential buy-to-let property in London and needed to move quickly to secure it. The acquisition required £253,320 in bridging finance against a property valued at £346,000 — a 75% LTV facility that needed to be in place and drawn down within a tight two-week window.
The client was purchasing through a limited company structure — an increasingly common approach for portfolio investors seeking to manage their tax position more efficiently. However, Ltd company applications require lenders to assess not just the property, but the company structure, director profiles, and intended use. Getting in front of the right lender matters as much as the numbers themselves.
Speed was the defining requirement. The purchase had a fixed timeline, and any slippage — whether in lender approval, valuation, or legal — risked losing the property entirely. The client needed a broker who could execute correctly from the first call, not one who would take three attempts to find the right lender.
Repayment structure was also a genuine consideration. A buy-to-let bridging loan often bridges the gap between purchase and either a long-term mortgage or sale. Getting the wrong repayment terms can create unnecessary monthly cashflow pressure before the investment property is tenanted and generating income.
What Could Have Gone Wrong
A deal described as straightforward still carries real risk if it isn't handled correctly from the outset. In bridging finance, the margin for error at 75% LTV on a Ltd company purchase is tighter than it looks.
Four specific risks had to be managed to get this deal to completion on time and on terms that served the client.
The A2Z Solution
A2Z identified the right lender for a Ltd company buy-to-let bridging loan at 75% LTV in London and structured the application to match that lender's criteria from the start — avoiding the resubmissions and delays that slow down deals when the wrong door is knocked on first.
The repayment structure was designed deliberately. The first six months run on a retained interest basis — meaning no monthly payments are required while the property is being set up or tenanted. The second six months switch to a serviced basis, aligning repayment timing with the point at which rental income is established. This hybrid approach keeps total borrowing cost tighter than a fully retained term while protecting the client during the early period.
Got a buy-to-let property to purchase?
Ltd company, portfolio landlord, or first investment — we structure the facility correctly from day one and keep things moving to meet your deadline.
A2Z Bridging Ltd is authorised and regulated by the Financial Conduct Authority · FRN 808769
The Outcome
Need a buy-to-let bridging loan in London?
Whether you're purchasing through a Ltd company, expanding a portfolio, or working to a tight deadline — A2Z Bridging arranges the right facility, structured correctly, and delivered fast.
A2Z Bridging Ltd · Authorised & Regulated by the FCA · FRN 808769 · We are a broker, not a lender.
Frequently Asked Questions
Yes — as demonstrated in this case, a Ltd company borrower can access unregulated bridging finance at 75% LTV against a residential buy-to-let property. The key is presenting the application correctly: company structure, director profiles, and the nature of the investment all need to be clearly documented to give the lender confidence. Not every lender offers this combination, so working with a broker who knows which lenders are active at 75% LTV for Ltd company BTL acquisitions makes a significant difference to both speed and outcome.
A hybrid repayment structure splits the term into two phases. In this deal, the first six months used retained interest — meaning interest for that period was deducted from the loan upfront, with no monthly payments required. The second six months switched to serviced interest, where the borrower makes monthly interest payments. This approach is well-suited to buy-to-let acquisitions: the retained phase covers the period while the property is being prepared and tenanted, and the serviced phase aligns with when rental income is established. It's a more cost-efficient structure than retaining interest for the full 12 months.
This deal completed in approximately two weeks from instruction. That timeline depends on three things running in parallel rather than sequence: lender approval, independent valuation, and legal completion. When any one of these is treated as the next step after the previous one finishes, timelines stretch. A2Z coordinates all three simultaneously to compress the overall timeline. In straightforward cases with a willing lender and clean title, two weeks is achievable — and in more urgent situations, we have delivered in as little as three days.
Most bridging lenders will lend up to 70–75% LTV against residential buy-to-let property, with some stretching to 80% in the right circumstances. The maximum available will depend on the property, location, borrower profile, and lender appetite. For Ltd company borrowers, 75% LTV is achievable — as this case demonstrates — but requires the application to be built correctly and placed with a lender who is active at that level. Higher LTVs may require additional security or a charge on another asset.
If the independent valuation comes in below the agreed purchase price or the figure used to calculate LTV, the lender will adjust the loan amount to maintain their LTV ceiling. In practice, this means the borrower needs to make up the difference from their own funds or provide additional security. It's a risk worth discussing before application — A2Z will flag this scenario upfront and, where possible, help you understand the realistic valuation range for the property before the formal process begins.