90% Purchase Price Bridging Loans

High-Leverage Property Finance to Secure Opportunities Faster

90% purchase price bridging loans provide property investors and developers with the ability to secure property with significantly lower upfront capital. By offering higher leverage than standard bridging loans, these facilities allow borrowers to move quickly on investment opportunities while preserving cash for refurbishment, development, or additional acquisitions.

Traditional bridging loans typically lend up to 70–75% of a property's value. However, in certain circumstances, lenders can provide up to 90% of the purchase price, allowing investors to acquire property with a smaller deposit while still accessing fast short-term funding.

This type of finance is particularly useful for property investors who want to maximise leverage, expand their portfolios, or secure high-potential deals without tying up excessive capital in a single transaction.

At The Funding Group, we help investors secure 90% purchase price bridging loans through specialist lenders who understand complex property transactions and high-leverage investment strategies.

Why Use 90% Purchase Price Bridging Loans?

High loan-to-value bridging loans are designed for investors who want to maximise their purchasing power while keeping capital available for other investments.

90% purchase price bridging loans are ideal when:

✅ You want to secure property with a smaller upfront deposit
✅ You are purchasing below market value property
✅ You need fast funding for an auction purchase
✅ You want to preserve capital for refurbishment or development works
✅ You are expanding a property investment portfolio quickly
✅ You need high-leverage finance to secure time-sensitive opportunities

By reducing the amount of capital required for the purchase itself, investors can use their available funds more strategically across multiple projects.

What Is a 90% Purchase Price Bridging Loan?

A 90% purchase price bridging loan is a short-term property loan that covers up to 90% of the purchase price of a property.

This means the borrower may only need to provide a relatively small deposit to secure the property.

In many cases, these loans are structured using a combination of:

• The property's purchase price

• The property's open market value

• Additional security from other property assets

This structure allows lenders to increase the effective loan-to-value while still maintaining appropriate risk management.

90% bridging loans are particularly attractive for experienced investors who want to maximise leverage and increase portfolio growth.

How 90% Bridging Loans Work

High-LTV bridging loans typically follow a straightforward structure.

Property Purchase

The bridging lender provides up to 90% of the purchase price, allowing the borrower to acquire the property with a smaller deposit.

Project Objective

The borrower may complete a specific project objective, such as:

• Refurbishing the property

• Securing tenants

• Obtaining planning permission

• Preparing the property for refinancing

Exit Strategy

Once the project is complete, the bridging loan is repaid through an agreed exit strategy.

Common exit strategies include:

• Refinancing onto a buy-to-let mortgage

• Refinancing onto a commercial mortgage

• Development finance

• Selling the property

Because bridging loans are designed to be short-term solutions, the exit strategy is a critical part of the lending decision.

90% Bridging Loans for Property Investors

Property investors often use high-leverage bridging loans to expand their portfolios more efficiently.

Instead of committing large deposits to individual properties, investors can use 90% bridging loans to acquire multiple assets using the same capital.

This approach allows investors to:

🏠 Purchase multiple properties simultaneously
📈 Increase portfolio size more quickly
🔨 Allocate capital towards refurbishment works
🏡 Secure properties below market value
🚀 Maximise investment opportunities

For investors who follow value-add strategies such as refurbishment or repositioning, high-LTV bridging loans can be a powerful financing tool.

90% Purchase Price Bridging for Auction Properties

Property auctions often present opportunities to acquire property below market value. However, auction purchases require fast completion, typically within 28 days.

High-leverage bridging loans can be particularly useful for auction purchases because they allow investors to:

• Secure property quickly

• Minimise the amount of capital required upfront

• Preserve funds for refurbishment or improvement

• Refinance after value has been added

Many experienced investors rely on bridging loans when purchasing auction properties because traditional mortgage lenders rarely move quickly enough to meet auction deadlines.

High LTV Bridging Loans for Refurbishment Projects

Many investors purchase properties that require refurbishment before they can be rented or sold.

These properties often present excellent investment opportunities but require additional capital to complete improvements.

By using a 90% purchase price bridging loan, investors can reduce the deposit required for the purchase itself, leaving more funds available for refurbishment works such as:

• Structural improvements

• Kitchen and bathroom upgrades

• Internal reconfiguration

• Electrical and heating upgrades

• Cosmetic modernisation

Once the refurbishment is complete, the property can be refinanced based on its improved value.

90% Bridging Loans for Portfolio Expansion

One of the biggest advantages of high-leverage bridging finance is the ability to grow a property portfolio faster.

By reducing the amount of capital required per property purchase, investors can deploy their funds more efficiently across multiple acquisitions.

This strategy allows investors to:

• Acquire more properties with the same capital

• Increase rental income potential

• Scale property businesses more rapidly

• Spread investment risk across multiple assets

For experienced investors, this type of leverage can significantly accelerate portfolio growth.

Using Additional Security to Achieve 90% LTV

In many cases, lenders offering 90% purchase price bridging loans may require additional security to support the transaction.

This may include:

• Equity in another property owned by the borrower

• Additional residential or commercial assets

• Cross-collateralisation of investment properties

By providing additional security, borrowers can increase the overall loan-to-value available for the purchase.

This structure allows investors to access higher leverage while still maintaining lender confidence in the transaction.

Advantages of 90% Purchase Price Bridging Loans

High-LTV bridging loans offer several advantages for property investors and developers.

Lower Deposit Requirement

Borrowers can secure property with a smaller upfront capital contribution.

Increased Purchasing Power

Higher leverage allows investors to pursue more opportunities simultaneously.

Capital Preservation

Investors can retain capital for refurbishment, development, or additional investments.

Fast Funding

Bridging lenders can often provide funding far quicker than traditional mortgage lenders.

Portfolio Growth

High-leverage funding enables faster scaling of property portfolios.

When 90% Bridging Loans Are Most Useful

High-LTV bridging finance is particularly useful in several common property scenarios.

These include:

🏠 Below-market-value property purchases
🏚️ Refurbishment or redevelopment projects
🏘️ Portfolio expansion strategies
🏦 Auction property acquisitions
🏗️ Short-term investment opportunities

Because these projects often require speed and flexibility, bridging finance is often the most suitable funding option.

How The Funding Group Arranges 90% Bridging Loans

At The Funding Group, we work with a panel of specialist lenders who offer high loan-to-value bridging finance for property investors and developers.

Our process is designed to ensure that the most suitable funding solution is arranged quickly and efficiently.

Initial Consultation

We review the property, the purchase price, and the proposed exit strategy.

Lender Selection

We identify lenders capable of offering high loan-to-value bridging facilities.

Valuation and Underwriting

We coordinate valuations and manage the lender underwriting process.

Completion

Once approved, funds are released so the property transaction can complete quickly.

Our team manages the entire process from enquiry through to completion.

Why Investors Choose The Funding Group

The Funding Group specialises in arranging bridging loans for property investors and developers across the UK.

Clients choose us because we offer:

💼 Access to specialist high-LTV bridging lenders
🚀 Fast approvals and efficient funding
🏠 Expertise in property investment finance
🔁 Flexible loan structures for complex deals
📈 Strategic guidance for portfolio growth
💡 End-to-end support from enquiry to completion

Our goal is to help investors secure the funding they need to move quickly and take advantage of property opportunities.

Need 90% Purchase Price Bridging Finance?

If you are looking to secure property with a smaller deposit while maintaining access to fast funding, 90% purchase price bridging loans may be the ideal solution.

The Funding Group can help you access specialist high-leverage bridging finance tailored to your investment strategy.

We provide:

✅ Fast bridging loan decisions
✅ Access to specialist high-LTV lenders
✅ Funding for property purchases and investments
✅ Finance for refurbishment and development opportunities
✅ Full support from enquiry to completion

Speak with our team today to discuss your bridging loan requirements.

90% Purchase Price Bridging Loan FAQs

Can bridging loans really cover 90% of the purchase price?

Yes, in certain circumstances lenders may provide up to 90% of the purchase price, often supported by additional security or strong property fundamentals.

Who typically uses 90% bridging loans?

These loans are commonly used by property investors, developers, and experienced landlords who want to maximise leverage.

Can I use a 90% bridging loan for auction purchases?

Yes. High-LTV bridging loans are often used to fund auction purchases where investors want to minimise the deposit required.

What exit strategies are accepted?

Common exit strategies include refinancing onto a buy-to-let mortgage, refinancing onto a commercial mortgage, or selling the property.

Do I need additional security for 90% bridging loans?

In some cases lenders may require additional security to support higher loan-to-value transactions.