Large Bridging Loans

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Home » Bridging Loans » Types of Bridging Loan » Large Bridging Loans


What is a large bridging loan?

A large bridging loan is a short-term, property backed lending facility for any amount over £1,000,000.

Of course, there is no set cut off for a large or small loan, but loans over £1m are generally considered large by almost all lenders.

Read on below to find out more.

How much can I borrow?

Unlike many providers, we can lend with no strict upper limit. Through our access to the whole market, including specialist lenders and private funding lines, we can fund your enquiry, no matter how large.

We classify anything over £1,000,000 as a large loan.

We can offer loans up to 75% loan to value (LTV). Where refurbishment will be taking place, we can usually also lend the cost of the works.

Do your funders have a set criteria?

We work with numerous lenders, all of whom have different criteria for lending.

As the loans become larger, applications tend to be underwritten on a bespoke basis. If an application makes good business sense, we can probably lend.

Can I get a better deal if I’m borrowing more?

Yes, you’ll usually benefit from lower arrangement fees and may also achieve lower interest rates.

These points are usually negotiated individually.

Standard arrangement fees are usually 2% of the loan amount. This would usually come down to no higher than 1% on larger loans.

Working with ABC Finance Ltd.

The bridging finance market is a complex and competitive industry and many lenders can only be reached through carefully selected brokers.

We work with a wide variety of different funding sources including specialist banks, peer to peer lenders, family offices and very specialist lenders.

We can access the whole market to liaise with these specialist funders, using our knowledge of the market and strong relationships to secure you the best possible terms.

Our job is to secure you the best possible terms, so we will fight on your behalf to negotiate interest rates and arrangement fees down wherever possible.

What can I borrow against?

We can lend against the following:

  • Property acquisition
  • Care homes
  • Refinance
  • Refurbs
  • Housing developments
  • Planning gain applications
  • Hotel developments
  • Apartments (single or block)
  • Office blocks
  • Factories and industrial units
  • Leisure facilities
  • Land – with or without planning

Who can borrow?

We can lend to the following:

  • Individuals
  • Non-UK based individuals
  • Partnerships
  • Pension funds
  • Limited companies
  • Offshore companies

How quickly can I draw down funds?

Large bridging loans tend to have an added layer of complexity due to their size. Even so, we are still usually able to complete these bridging loans in two weeks, where valuations are possible within that time.

If your application is particularly urgent, get in touch now and one of our specialist advisers will be able to get your application moving immediately.

How do large bridging loans differ from smaller loans?

There are a number of specialist lenders who offer larger loans, often to applicants with more complex personal circumstances.

Although most lenders will accept loans between £5-10,00,000, it may be better to use a lender who specialises in larger loans.

This is because this level of lending to one client can be seen as a large risk to some lenders and, as such, the process can become difficult.

As the size of the loan increases, the amount of due diligence required by the lender will generally also increase.

Regardless of the lender chosen, we will assign you with an expert who is experienced in dealing with larger loans to manage your application from start to finish.

You will be able to speak with your advisor from start to finish throughout the process. Where your planned exit route is refinance, they can also help with your remortgage application.


About The Author

This content was produced by our Commercial Lending Director, Gary Hemming. Gary has over 15 years’ experience in financial services and specialises in bridging loans, commercial mortgages, development finance and business loans. He is widely respected in his field and regularly provides expert commentary for specialist trade publications, specialist business press as well as local and national press.

Gary Hemming CeMAP CeFA CeRGI CSP  -  
Commercial Lending Director

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