What Is the Maximum Loan-to-Value (LTV) for a Bridging Loan?

For bridging finance in the UK, the maximum loan-to-value (LTV) typically ranges between 65% and 70%, with up to 75% considered in select cases, depending on the strength of the asset, borrower, and exit strategy. This implies a minimum deposit of at least 25%.

The LTV stands for loan-to-value and represents the ratio between the loan amount and the gross value of the underlying property.

For example, if a bridging lender offers a 70% LTV against a property valued at £10 million, the maximum loan available would be £7 million, with the borrower contributing the remaining £3 million as equity.

At Maslow Capital, we assess each bridging loan transaction on its own merits, with the loan size determined by the asset quality, borrower’s experience and a clearly defined exit route.

What Determines the LTV of a Bridging Loan?

The LTV is influenced by several factors:

• Asset type: Residential and mixed-use properties tend to support higher LTVs than commercial or specialised assets.
  

• Borrower’s experience: A strong track record in property development or investment can support more favourable leverage terms.
  

• Location and marketability: Prime or liquid locations typically achieve higher LTVs due to lower resale risk.
  

• Exit strategy: The strength of the exit plan and how well this is presented to us can contribute towards getting a higher and more favourable LTV, whether it is through refinance or sale.
  
• Condition and planning: Properties that require significant work or awaiting planning consent may attract lower LTVs until certain milestones are met.
  

What Are The Typical LTVs For Bridging Loans?

While some lenders advertise LTVs up to 80% or beyond, these cases are exceptional and often secured by additional collateral or guarantees.

In practice, data from market indices such as Bridging Trends show that average LTVs remain around 55–60%, reflecting a balanced risk profile across the industry.

Maslow Capital’s own lending typically falls within this range, reflecting our commitment to effective and sustainable lending aligned with institutional standards.

How Can Bridging Loan Borrowers Get The Maximum LTV?

To achieve a higher loan-to-value within acceptable risk parameters, borrowers should demonstrate:

• A proven track record in property or development.

• A clear exit strategy supported by independent valuations or funding offers.

• Clear due diligence materials, including planning documentation, project appraisals, and cost schedules.

In some cases, additional security such as a second charge on another property or corporate guarantee may support higher leverage – although this is assessed case by case.

How Maslow Capital Approaches LTV in Bridging Loans

Maslow Capital is an experienced real estate finance lender providing short-term bridging loans and development finance to professional borrowers across the UK.

We adopt a disciplined, risk-aware approach to LTV, ensuring our clients can move with speed and certainty while maintaining sustainable gearing levels.

To discuss a bridging finance enquiry, please contact bridging@maslowcapital.com or call 0203 828 6879.

See Also

What are bridging loans used for?

Do I need a salary to get a bridging loan?