100% Bridging Loan

CRYSTAL BRIDGING LOANS

Try us today to see how Crystal Bridging Loans can help with your 100% bridging loan needs. We aim to beat any like-for-like non-regulated bridging finance quote. Get in touch for a quote today!

Why Choose Us?

How to Get a 100% Bridging loan

 

  • What is a 100% bridging loan?

 

Bridging loans usually have a maximum LTV (loan-to-value) of 75%. LTV 100% bridging loans are therefore uncommon as they are a greater risk to lenders. However, some lenders offer 100% bridging loans under specific circumstances. There are 2 key ways to get a 100% bridging loan – by using another asset to provide extra security, or buying undervalue.

  • Using Additional Security to obtain a 100% bridging loan
 

Offering the lender additional security is the best way to get a 100% bridging loan. You can use the equity you have in other assets to safeguard a loan by lowering the risk for lenders. Extra security will most likely be properties you already own, but other assets may also be considered. For example, if you want to buy a property for £50,000 to renovate and sell but have no cash for a deposit, you could use your own home or a buy-to-let property as extra security for the loan.

  • Buying Undervalue
 

Another way to get a 100% bridging loan is to buy a property below market value by taking out a bridging loan based on the open market value of the property rather than the purchase price.

For example, if you want to purchase a portfolio of properties worth £1 million on the open market, you could use a 100% bridging loan to buy the properties at a discounted price of £700,000.

100% Bridging Loans - Highlights

  • LTV up to 100%
  • Interest roll-up available
  • Terms from 1 – 36 months
  • All circumstances considered
  • Residential or commercial
  • No exit fee
  • First, second, or third charge
  • Re-bridging available

Benefits of Bridging Loans

  • Bridging loans are quick to arrange, so you receive the money you need, fast.
  • Can be used for any legal purpose, from buying auction property to raising capital.
  • Bridging loans offer competitive rates and low borrowing costs.
  • Bridging loans have flexible criteria, with each application judged on its own merits.
  • All properties are considered as security, whatever their type and condition.

How can we help?

CONTACT US TODAY TO GET ADVICE OR FOR A FREE QUOTE FROM OUR EXPERT BRIDGING ADVISORS.

The deposit required for a 100% bridging loan depends on how much money you need to borrow. You can use a bridging loan calculator to give you a clear idea of how much you may need.

100% bridging loans start from a modest £10,000. Fortunately, there is no maximum limit to a bridging loan- so as long as you can handle the repayments, you can borrow whatever amount you may need to secure a new home.

Instant Bridging Loan Calculator

With our free mortgage payment calculator, you can find out the interest payments on what you need to borrow in seconds. Simply tell us how much you want to borrow, how long you need the loan to last, and the loan amount in relation to the value of property or security (loan to value (LTV).

Please note: the maximum loan, loan-to-value, term and rate actually offered will depend on the product selected, the property, and your individual circumstances. As a specialist mortgage broker, the rates our lending panel typically offer are higher than from high streets banks, so you may be advised to shop around before completing an application with us.

Loans By Purpose

100% Bridging Loan

100% bridging loans that cover the full value of the property you wish to purchase.

Buying To
Let

Also known as a bridge-to-let mortgage, fast and flexible bridging loans for buy-to-let property.

Bridging loans that help buy a new property before selling your existing home to bridge the gap between purchases.

Buying To
Renovate

Refurbishment bridging loans for investors, developers, and landlords that cover the cost of property renovations.

Building A Property

Finance your next property development or building project with our short-term bridging loans.

Capital
Raise

Raise essential working capital for your business at short notice with our short-term, flexible bridging loans.

Property
Auction

Bridging loans with quick completion times so you can complete auction property purchases faster.

Purchasing
Land

Bridging loans to purchase or refinance residential or commercial land quickly and efficiently.

Get In Touch

CALL US TODAY on 0203 940 8544 TO GET ADVICE AND A FREE TAILORED QUOTE.