High LTV Bridging Finance
Bridging finance at up to 80–85%+ LTV for borrowers who need to maximise their borrowing. Specialist lenders and additional security options available.
Maximise Your Borrowing
Standard bridging loans typically cap at 70–75% LTV. But sometimes you need more. Whether you're short on equity, need to retain cash for works, or simply want to maximise leverage on a strong deal, high LTV bridging provides the additional borrowing capacity you need. We have access to specialist lenders who offer up to 80–85% LTV on the primary security — and even higher when additional security is available.
How to Achieve Higher LTV
Get a Quote
Fast response — often within the hour for urgent cases.
Key Criteria
• Maximum LTV: Up to 80–85% (single security). 90%+ with additional security.
• Additional security: Residential or commercial property accepted as cross-charge
• Rates: From 0.65% per month (higher LTV = higher rate)
• Speed: Completion from 7 working days
Risks & Considerations
- • Bridging loans carry higher interest rates than standard mortgages — they are designed for short-term use only
- • If your exit strategy fails (e.g. property doesn't sell), you may face penalty charges or the lender may seek repossession
- • Arrangement fees, valuation fees and legal costs apply and should be factored into the total cost
- • Interest is typically charged monthly — ensure you budget for ongoing costs during the loan term
- • Some bridging loans are not regulated by the FCA — unregulated loans do not offer the same consumer protections
- • Higher LTV means less equity buffer — any fall in property value increases the risk
- • Additional security means more than one property is at risk if repayments are not maintained
- • Mezzanine finance carries its own costs and risks — ensure total costs are understood
How the Process Works
Enquiry
Tell us about the deal — property, amount, timeline and exit strategy.
Terms & Costs
We source the best terms from our panel and provide a full cost breakdown.
Valuation & Legal
Valuation is instructed and solicitors prepare legal documentation.
Completion
Funds released — often within 5–14 working days from initial enquiry.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
A bridging loan is secured against property. Your property may be at risk if you do not keep up repayments. Bridging finance is a short-term solution and should not be used as a long-term borrowing facility.
Chess Mortgages is authorised and regulated by the Financial Conduct Authority. Some bridging loans are not regulated by the FCA.
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.