80% LTV Bridging Loans

An 80% LTV (Loan-to-Value) bridging loan allows you to borrow 80% of the secured property’s value.

While regulated lenders will typically only go up to an LTV of 75%, unregulated providers can go up to 90% and sometimes even 100%.

The higher the LTV the larger the loan is, and therefore the bigger the risk for lenders to loan you the money. With an 80% LTV bridging loan, you’ll be borrowing more money than if you were to take out a 70% LTV bridging loan, however, this might not be enough for your plans.

Thankfully, bridging loan lenders can offer a range of different LTVs, accommodating to a variety of different borrowers and their loan needs.

0333 414 1491

Apply for a Bridging Loan Below

*UK Property Only | *Minimum Age 21

  • By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

Our Bridging Lenders

Key Features

  • Borrow £50,000 – £25 million
  • Loan Term: up to 24 months
  • Loan-To-Value: up to 75% (regulated) and 80% (non-regulated)
  • Rates from 0.44% per month
  • All credit scores considered

What Is 80% LTV on a Bridging Loan?

A bridging loan with this LTV will offer 80% of the value of the property being secured to it. The precise figure for this type of bridging loan varies depending on the value of the property and therefore what 80% of that value is.

With Octagon Capital, you can borrow bridging loans between £50,000 and £25 million, and sometimes even more (subject to request).

By opting for this LTV over a lower one, you’ll borrow more and hold less equity in your property. However, the lower your LTV, the more of your own money you’ll have to provide upfront to purchase the property.

Speak to Octagon Capital on 0333 414 1491 for bridging loans at a range of different LTVs.

what is a bridging loan

How Do I Calculate the LTV of a Bridging Loan?

Calculating the LTV you need is easy. Simply divide the amount of money you need to borrow by the value of the property and times this by one hundred. For example:

The amount you wish to borrow: £150,000
The value of the property: £200,000

£150,000 / £200,000 = 0.75

0.6 x 100 = 75

LTV needed: 75%

How Much LTV Do I Need for a Bridging Loan?

The LTV you’ll need for a bridging loan will depend on the amount you need to borrow as well as the value of the property in question.

While 75% LTV is the maximum a regulated bridging loan provider will typically go, unregulated lenders can go a lot higher.

When figuring out the LTV you’ll need on your bridging loan, it’s best to only borrow what you really need, and pay the rest upfront using your own money.

Octagon Capital can help you find loans ranging from £50,000 to £25 million, with loan terms up to 24 months and all credit scores considered.

Try Our 80% LTV Bridging Loan Calculator

By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

  • Please give us a call if you require more than £25,000,000

What Can Affect the LTV I’m Offered?

  • The amount you wish to borrow
  • Your deposit
  • Your affordability
  • Your income
  • The details of the property
  • Growth potential
  • Exit strategy

There are various different factors that can affect the LTV of the bridging loan you’re offered. Ultimately, you’ll have to prove through the application that you’re trustworthy to lend to and can be relied on to pay the loan when expected.

What’s the Maximum LTV on a Bridging Loan?

For regulated providers, the maximum LTV you can expect to get is 75%, however you can get higher than this, with the potential for 100% LTV depending on the provider.

Lenders will only offer this maximum amount under certain circumstances – for example, if you use an additional asset to secure the loan and thereby lower the lender’s risk in lending.

Eligibility Criteria for 80% LTV Bridging Loan

Octagon Capital’s eligibility criteria for bridging loans include:

  • 18+ years old
  • Must have an exit strategy
  • All credit histories considered
  • Property is subject to valuation
  • Minimum borrowing amount must be £50,000
  • Available in the U.K.

How Much Does a Bridging Loan Cost?

The cost of the loan will depend on the amount you’re borrowing and how long you’re borrowing the bridging loan for. Rates start at 0.59% per month, and other fees can include broker fees (1%) the lender fee (2%), solicitor fees and valuation fees.

You can discuss your options today with Octagon Capital.


Yes, Octagon Capital are a broker. We’re based in London and authorised by the FCA (Financial Conduct Authority).

This means that we don’t provide the loans ourselves, but will help connect you to the loan most appropriate for you from our providers.

Octagon Capital have partnered with SPF Short Term Finance, who process all enquiries.

Bridging loans are often used to help “bridge the gap” between the purchase of one house and the sale of another.

Bridging loans can help to solve temporary issues with cash flow – for example, helping a borrower purchase a new house while waiting for the funds from the sale of their current house to come through.

You can repay a bridging loan in various different ways. A common way to pay back your bridging loan is to make standard monthly repayments, however, some also opt to roll over their interest until the very end of their loan’s term.

The length of time you can borrow a bridging loan for varies considerably. For regulated providers, the maximum loan term is typically around 12 months, this going up to 24 months for unregulated providers.

No, bridging loans are always secured, meaning you will have to secure a valuable asset to the loan.

This asset is usually the property you’re trying to raise money for, the amount you can take out based on the value of this property as well as other details of your application.


A maximum fee of 1% of the loan amount is payable – for example on a mortgage of £100,000 the fee would be £1,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is £150,000 or below, the maximum fee charged is £1,995.

SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).