How Much Deposit Do You Need For a Bridging Loan?
The deposit required for a bridging loan typically ranges from 25% to 35% of the property’s value.
This is based on a maximum loan-to-value (LTV) ratio of around 65% to 75%, depending on the nature of the asset, borrower experience, and exit strategy.
For example, if a property is valued at €12 million and the lender offers a 70% LTV, the borrower would be expected to contribute €3.6 million in equity, with the lender providing a €8.4 million facility secured against the asset.
What is The Minimum Deposit Needed For a Bridging Loan?
The minimum deposit for a bridging loan is usually 25%-40% of the property’s value, but this can vary between lenders.
It serves two key purposes:
- Risk alignment — ensuring the borrower has a meaningful commitment to the project.
- Security coverage — providing the lender with sufficient margin to recover capital in the event of default.
Maslow Capital’s often refers to the deposit as the borrower’s equity.
What is The Typical Deposit Needed For a Bridging Loan?
| Asset Type | Typical LTV | Deposit |
| Residential Investment / Bridging | Up to 70–75% | 25–30% |
| Commercial / Mixed-Use | 60–70% | 30–40% |
| Land Pending Planning | Up to 60% | 40%+ |
Maslow Capital assesses each transaction on an individual basis, taking into account borrower experience, the quality of the asset and the strength of the exit strategy.
If the property and the developer show strong foundations and potential, they may be able to enjoy better leverage, paying a smaller deposit and accessing a higher LTV.
What Factors Impact The Deposit For a Bridging Loan?
Several elements determine the deposit and equity level required for bridging finance:
- Residential or mixed-use assets in strong locations – these often attract higher LTVs.
- Borrower’s experience and track record — A proven record in development or investment may allow for greater leverage.
- Strong exit strategy — A clear and achievable refinance or sale strategy supports stronger loan terms.
- Project complexity — Higher-risk or speculative projects typically require a higher deposit to be made.
- Additional security — Offering additional property or guarantees may add further confidence to an application and allow for a smaller deposit.
Can Bridging Finance Be Structured With Little or No Deposits?
In some cases, borrowers may use existing property equity rather than new capital as their deposit or contribution.
For example, equity released from another asset through refinancing can be used to fund part of the purchase or refurbishment costs on a new acquisition.
Maslow Capital often arranges loans that cover several properties or link different assets together. This helps professional borrowers access more cash while still keeping their borrowing at a sensible and manageable level.
Can I Get a Bridging Loan With No Deposit?
No, typically, bridging loans will require you to make a deposit, usually starting from 25%.
However, in some circumstances, you may be able to get a bridging loan with no deposit if:
- You have equity in other properties that can be used towards a new bridging loan
- You offer multiple properties as collateral to cover the full loan amount
- You have a strong exit strategy and an experienced track record
How Does Maslow Capital Approach Deposits For Bridging Loans?
Maslow Capital provides short-term bridging finance and property development finance to experienced property professionals across the UK.
We lend on a first-charge basis, with a typical maximum LTV of up to 70%, and adopt a disciplined, case-by-case approach to underwriting.
Our goal is to provide certainty of execution and speed of funding, underpinned by institutional capital and deep market expertise.
To discuss a bridging enquiry, contact our team at bridging@maslowcapital.com or call 0203 828 6879.
