Can You Get 100% Bridging Finance?

It is possible to get 100% bridging finance, however, it is very important to be aware of the key requirements and criteria when obtaining this type of loan. In this article, we discuss what a 100% bridging loan is, the best ways to qualify for 100% bridging finance, and the potential risks to consider when applying.


What is a 100% LTV Bridging Loan?

100% bridging finance is a loan that covers the full value of the property you want to secure, which means you don’t have to put down a deposit. 100% bridging finance is uncommon, as most bridging loans usually have a maximum LTV of 75% of the gross loan and require a deposit of at least 25% – 30% of the property value. This makes 100% bridging loans a greater risk, and so are only offered by a select few lenders under very specific conditions.


How Can I Get a 100% Bridging Loan?

The only way to get a 100% bridging loan is through using additional security to secure the loan against. If you cannot meet this criterion, it is highly unlikely that a lender will offer you a 100% LTV bridging loan.


Using Additional Security

Offering the lender additional security is the best way to get a 100% bridging loan. Using the equity you have in other assets safeguards the loan by lowering the borrowing risk to a lender. You can use one or multiple properties as extra security, and will most likely be a property you already own, such as an existing buy-to-let property.


100% Bridging Finance – What are the Risks?

Before applying for 100% bridging finance, there are a few considerations:


Extra Fees

If you are using additional properties as security, you will pay higher fees because each security property will require its own valuation as part of your application. Additional legal fees may also be incurred if additional security is used.

Dependent on Loan-to-Value, Crystal Bridging Loans has access to products and lenders who offer desktop valuations. However, this is on a case-by-case basis. Speak to one of our experienced advisers who will be able to talk you through the criteria for this.



If you default on the loan and can’t make repayments, your security property will be at risk of repossession. For this reason, a strong exit strategy that sets out how you will repay the loan is essential.


Contact Us

Contact Crystal Bridging Loans today for further information regarding 100% bridging finance, and our experienced advisers will provide expert advice on your options. With exclusive access to lenders who specialise in 100% bridging loans, we’ll find the right deal for your circumstances.

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