Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated November 4, 2018

75% LTV Bridging Loans

Our expert team of professionals have access to a wide range of bridging loan lenders who borrow at 75% loan-to-value. Our bridging finance experts can quickly arrange a short term bridge loan at 75% loan-to-value. Loans can be arrange for a short period from 1 month or longer periods of up to 2 years to suit most applicant types.

Our award winning bridging experts can find you the best deal from across the market. They have access to exclusive deals & rates.

Questions? Call us on 0161 820 8099

1 providers expertly compared:

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All credit types
Rated 5.0/ 5

Smart Money Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£10,000 - £10,000,000

Monthly Rate
From 0.49%

Loan Term
1 - 24 Months

Loan Type
Bridging Loans

Homeowners Only
Max LTV 100%

Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for bridging loans. Smart Money are not available direct to the public and so we are very pleased to be able to offer them here via Lending Expert.

What rates of interest are available at 75% LTV?

Bridging loans at 75% LTV

The interest rates payable will depend on the lender available and the term of the loan. Contact our finance brokers above and they will be able to provide you with a free quotation and explain all the rates and costs associated with the loan, including any fees payable and the T&C’s of the loan.

Which bridging finance lenders offer loans at 75% loan to value?

Many bridging lenders see offering loans at a higher loan to value as a greater risk therefore the market place is more limited at around 75% LTV. However there are still a good selection of lenders will to offer finance around this level depending on the security offered, the amount required and the term of the loan.



What is a bridging loan and when are they typically used?

A bridging loan is a temporary loan for a short period until a more longer term solution can be found or arranged. Bridging loans are often used in property transactions by landlords, developers, and those who buy property via an auction. Bridging loans can also be used to pay overdue debts or to cover unexpected expenses in emergency situations.Bridging loans are also popular with home movers when there is a gap between the sale and completion dates in a chain. A bridging loan as the name implies is used to 'bridge the gap' when funding is required.

What is the loan duration on a typical bridging loan?

Bridging loans are only a short term lending solution. Loans typically are from a few months to a couple of years maximum. Each lender will have it's own terms and conditions regarding the length of the loan term.

Are bridging loans secured?

Yes. Bridging loans are secured against property, both residential, commercial and buy to let. They are secured on either a first or second charge basis.

Can I take out a bridging loan aqainst a buy-to-let?

Yes. Most lenders in the market place will be happy to provide a bridging loan secured on a buy to let property.

What is an open bridging loan and what does it mean?

If you have heard of the phrase an open bridging loan then this simply means that the repayment date is 'open' and has not been set at the start of the loan. You will generally be expected to pay of an open bridging loan within the year.A closed bridging loan is a loan that is issues with a set date in which the loan is to be repaid.

Can the loan interest be rolled up until the end of the loan?

Yes. Lenders will also the interest charges to be paid in a lump sum when you repay the capital of the loan at the end of the loan term.

Do I need to show proof of income to get a bridging loan?

Yes. Under most circumstances you will be required to show proof of earnings to demonstrate you can afford the loan repayments.

Can I get a bridging loan while self employed?

Yes. Bridging loans like other loans are available for self employed people. You will however need to show proof of income either in the form of business accounts, or SA302 documents from HMRC that shows your taxable income for the financial year.

Are bridging loans available to pensioners and older borrowers??

Yes. Bridging loans are available to older borrowers over 65, 70 or up to 80 years of age for some lenders. As bridging loans are only for short term borrowing then your age is less of an issue to the lender. You will however, need to show proof of income and demonstrate how you will meet loan repayments for the duration of the loan.

What is a the maximum LTV I can borrow?

Bridging lenders generally go to a maximum of 75% loan to value. However, this generally depends on the lenders appetite to risk and will be based on a case-by-case basis.

Are there any upfront costs to pay?

You will be required to pay for legal fees and a valuation. Other costs such as an arrangement fee or broker fee can be added to the loan.

What type of exit routes would be required?

As bridging loans are not a long term lending solution, the bridging lender as part of the initial application process will need to check that you have an adequate way to pay off the loan, this is the 'exit route'. This is generally done by a property sale, or by means of a remortgage in the future for example.

Can a bridge loan be used to buy land?

Yes, bridging finance can be used to purchase land either residential or commercial land plots. If you find a plot of land you want then a bridge loan can be used to buy the land prior to planning persmission being obtained.

Can I used a bridging loan to fund a property purchase abroad?

Yes. A bridging loan that is secured against UK assets can then be used to buy property abroad, or against the purchase of a property overseas.

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