Commercial Bridging Loans London UK

In the UK bridging market, "large" typically means £500,000 upwards, though the term is most often used for deals £2 million and above. We arrange large bridging facilities from £500,000 to £50 million on individual assets, with portfolio and mixed-use facilities available above £50 million through private bank and specialist high-net-worth lender relationships. Every large deal is priced individually against asset value, exit strategy and borrower profile.

Large bridging deals are placed with a different lender panel from sub-£500k bridging. Above £2 million, most deals go to specialist commercial bridging lenders, boutique property banks, or private bank bridging desks — none of which are accessible directly to borrowers. As a whole-of-market broker with established relationships across the specialist lender panel, we place the deal with the right funder for the specific asset type, loan size and borrower profile.

Up to 75% loan-to-value on prime residential assets, up to 70% on mixed-use, up to 65% on standard commercial, and up to 60% on secondary or specialist commercial (retail warehouses, industrial, hospitality). Prime central London residential and trophy assets can access higher LTV through private bank facilities. Larger loan sizes generally attract slightly lower LTVs than mid-market deals — lenders build in headroom for the extra concentration risk of a single large exposure.

Large bridging deals go through fuller underwriting than sub-£500k bridging. Standard requirements include: full company accounts (last 3 years) or SA302s for individual borrowers, detailed source of funds evidence, business plan and appraisal for development or refurbishment deals, clear exit strategy documentation (sale comparables or refinance heads of terms), and identity/AML documentation to the standard required for high-value transactions. First-time large-facility borrowers can expect more thorough questioning than experienced portfolio investors.

Straightforward large deals typically complete in 2–4 weeks from indicative offer to funds released. Complex cases — multi-title portfolio purchases, corporate borrower structures, non-standard security, private bank involvement — usually take 4–8 weeks. Auction purchases at £500k+ can still complete inside the 28-day deadline with the right lender and pre-prepared documentation. For time-critical deals we work backwards from the required completion date and match the lender to the timeline.

Yes. Portfolio deals — whether acquiring a package of buy-to-let or commercial assets, refinancing an existing portfolio out of a maturing facility, or restructuring debt across multiple properties — are a major use case for large bridging. Facilities from £2 million to £50 million with the specialist portfolio bridging lenders on our panel, structured with cross-collateralised security or asset-by-asset. Exit typically to a specialist portfolio buy-to-let mortgage, commercial refinance, or staged sale.

Three main interest structures on large bridging: rolled-up (interest accrues and is repaid with capital at term end — most common), retained (interest deducted upfront from the loan proceeds — cleaner for accounting), and serviced (monthly interest payments during the term — reduces total loan size and end-of-term repayment). Larger deals often use a mix, particularly where the borrower wants to service part of the interest to reduce the eventual bullet payment. All three are available across our lender panel; the right structure depends on the borrower's cash flow and exit timeline.