£185,000 High LTV Bridging Loan Completed at 90% LTV in 2 Weeks
Most bridging lenders cap at 75% LTV. Our client needed 90% to secure a residential investment in Southall — and needed it done fast. We found the lender, structured the case, and completed in under two weeks.
£185,000
Loan amount
90%
Loan-to-value
12 Months
Term
2 weeks
To completion
The Client Scenario
Our client — a limited company investor — had identified a residential property in Southall, UB1, and needed to move quickly to secure the purchase. The asking price was £205,000 , and the client wanted a clean, straightforward process with no complications.
There was one significant requirement: the client needed high LTV bridging finance at 90% , putting down only a 10% deposit. In the bridging market, most mainstream lenders cap at 75% LTV. Anything above that narrows the field considerably — and at 90%, the options are specialist-only.
This was the client’s first time working with A2Z Bridging. They needed to trust that we could deliver what many brokers simply can’t — a high-leverage facility, arranged quickly, with no drama.
What Could Have Gone Wrong
High LTV bridging sits in a narrow part of the market. At 90%, most brokers would struggle to place this case at all — let alone within a two-week window. The margin for error is thin: wrong lender, wrong packaging, and the deal falls apart.
For a first-time client relationship, any misstep would have meant losing both the property and the client’s confidence.
- Most lenders declining at 90% LTV — standard bridging caps at 75%
- Specialist high LTV lenders requiring extended due diligence, pushing past the purchase deadline
- Valuation coming in below £205,000, collapsing the LTV ratio and requiring more deposit
- First-time client relationship — no track record to lean on if timelines slipped
The Solution
We knew from the outset that this case needed a lender with genuine appetite for high LTV bridging — not one that would stall at credit committee. We went straight to our specialist panel, identified the right fit, and structured the submission to meet their criteria cleanly on first pass.
The result: a £185,000 unregulated bridging facility at 90% LTV , with interest serviced monthly at 1.05% per month , on a 12-month term . The client put down just a 10% deposit and completed the purchase within two weeks of instruction.
- Sourced a specialist lender with confirmed appetite at 90% LTV
- Structured the application to pass credit committee on first submission
- Coordinated valuation and legal simultaneously to compress the timeline
- Kept the client informed throughout — critical for a first-time working relationship
- Completed the entire process from instruction to drawdown in under two weeks
The Outcome
£185k
Facility Secured
90%
LTV Achieved
10%
Deposit Required
2wk
Completion Time
First-Pass Approval
Property Secured
Frequently Asked Questions
Can I get a bridging loan at 90% LTV?
Yes — though most mainstream bridging lenders cap at 75% LTV. At 90%, you need a specialist lender with confirmed appetite for high-leverage cases. That’s exactly what we arranged on this deal in Southall: £185,000 at 90% LTV, completed in two weeks. We can also arrange bridging at up to 95% LTV in the right circumstances.
What is the minimum deposit for a bridging loan?
It depends on the lender and the deal. Standard bridging typically requires a 25% deposit (75% LTV). However, specialist lenders offer high LTV bridging at 85%, 90%, and even 95% LTV — meaning deposits as low as 5%. On this case, our client secured the property with just a 10% deposit through a lender we sourced specifically for high LTV appetite.
How quickly can a high LTV bridging loan complete?
High LTV cases can sometimes take longer because fewer lenders operate at that level and due diligence requirements are tighter. On this deal, we completed in approximately two weeks by selecting the right lender upfront and running valuation and legal work in parallel. Speed depends on case packaging — get it right first time and the timeline compresses significantly.
Can a limited company get a bridging loan for a property purchase?
Absolutely. Limited company borrowing is common in unregulated bridging — particularly for investment property purchases like this one. The loan sits with the company rather than the individual, which is often the preferred structure for buy-to-let or investment acquisitions. On this deal, we arranged the facility through the client’s Ltd company with no complications.
Facing a Tight Deadline of Your Own?
Talk to an advisor today — most cases get an initial answer within hours.