arrowAny Credit History
arrowMarket Leading Rate 0.55%
arrow1st & 2nd Charge
arrowAuction Finance
arrowQuick Decision
arrowExpert Advice
arrowNo monthly payments
  • When time is a factor
  • Fast & highly flexible
  • Bridging loans
  • Can be a real lifesaver!

Bridging Finance for Buying Property Below Market Value (BMV)

The prospect of buying a property for 25% to 30% less than its true market value seems almost too good to be true. But this is exactly what is possible with a BMV (below market value) property.

Homes and businesses are often listed on the market at discounted prices to ensure they sell as quickly as possible. Repossessed properties in particular tend to sell for much less than their actual value, where lenders seek to quickly recoup their losses.

Unfortunately, securing funding for BMV properties via conventional channels is practically impossible. BMV properties are sold at reduced prices specifically to speed up the sale, giving prospective buyers insufficient time to arrange a mortgage.

This is where bridging finance can help, a short-term, cost-effective solution for time-critical purchases and investments. Call anytime to learn more about purchasing BMV properties with affordable bridging finance.

At, we specialise in flexible and affordable funding for all types of property purchases, including BMV properties. For more information or to discuss any aspect of bridging finance in more detail, call today for an obligation-free consultation.

Why use UK Bridging Loans?

Personal service:

Here at, we take customer satisfaction very seriously. That is why we go the extra mile to provide the best service possible to all of our clients.

Expert advice:

Every member of our team is highly trained and experienced in property and specialist lending products, ensuring our clients get the best products at the best rates.

Flexible lending:

We have access to many specialist lending products that can be tailored to each individual’s needs. We can offer flexible, fast, and cost-effective loans for clients with specific requirements. Deal directly with the lender; no middleman!

Proven track record:

Our track record speaks for itself through our thousands of satisfied clients. Our experience and unrivalled customer service mean that we have many returning clients with whom we have built a long-lasting relationship.


Tech savvy:

We use the latest technology to ensure simplicity, speed, and ease for our clients, as well as highly trained staff to ensure everything runs smoothly.

Tailored loans:

We can tailor loans to suit whatever property funding needs our clients may present. With access to a wide range of lenders, we are able to offer specialist loans at competitive rates.

Frequently asked questions

How can a bridging loan help buy at below-market value?

BMV properties are rarely listed on the conventional property market. When BMV properties are put on sale at discounted prices, time is of the essence. This is why most BMV properties go under the hammer at auction in order to ensure they sell as quickly as possible. Auction property purchases open the door to significant savings and the opportunity to purchase properties considered 'unmortgage able' by conventional lenders. Of course, the caveat that accompanies auction property purchases is the requirement for prompt payment. A 10% deposit needs to be paid on the day, and the remaining balance in full must be paid within 28 days.

With the average mortgage taking around 12 weeks to process, it is not a viable option for BMV property purchases. With bridging finance, the funds needed to purchase a BMV property (at auction or elsewhere) can be arranged within a few working days. The funds are secured against assets of value in the same way as a conventional mortgage, typically with a maximum available LTV of 85%. This enables prospective buyers and investors to access the funds needed to both buy a BMV property and conduct the renovations that may be necessary. After which, the loan can be transitioned to a longer-term mortgage after a few months or repaid in full when the BMV property is resold for a considerable profit.

Can I borrow more than the maximum LTV?

In some instances, lenders may be willing to offer more than the usual maximum LTV on a bridging loan. When applying for bridging finance, there are two things the issuer needs to see:

  • Evidence of ownership of assets of sufficient value to comfortably cover the costs of the loan
  • Proof of a workable exit strategy to ensure the loan is repaid in a timely manner

The strength of the evidence you provide and the value of your security (collateral) will therefore determine how much you can borrow. Your credit score and general financial position will also be factored in, but they will not necessarily exclude you from consideration. Every bridging loan is unique, issued as a bespoke agreement between the issuer and the borrower. All terms and conditions of your bridging loan will be tailored to suit your requirements and your budget, including the option of negotiating a higher LTV where necessary.

Contact details

pinBusiness Address: Office block 2, Kibworth Business Park, Kibworth Harcourt, Leicestershire, LE8 0EX

callTelephone:  0116 464 5554

Opening hours

Mon-Thurs: 9am-8.30pm

Fri: 9am-5pm

Sat: 10am-5pm

Sun: 11am-5pm

For job vacancies please email us on