Written by Kellie Steed Reviewed by Chris Duckworth
Sources
28 August 2026
First Published
If you need to finance a property quickly, such as when buying at auction, a 100 LTV bridging loan can be an attractive option. Particularly if you’d prefer to maintain your liquid assets for renovations.
In this article we’ll explain how it’s possible to get a bridging loan with a one hundred percent loan-to-value (LTV), how no deposit bridging loans work, and what key factors to consider before applying for this type of finance.
Can you get a bridging loan with no deposit?
Yes, it is possible to arrange a bridging loan without putting down a cash deposit. While standard bridging loans typically cap the maximum borrowing amount at around 75% of the property’s current market value, specialist bridging finance lenders can stretch to 100% funding under the right circumstances.
To secure a 100% bridge loan, you usually need to provide additional security. The type of asset accepted varies from one provider to the next.
How do 100% bridge loans work?
100% bridging loans typically work the same way as any other bridging loans for the most part. They are a short-term facility, usually lasting between 1 and 24 months, that you can repay by rolling up the interest into the loan balance, meaning you have no monthly interest repayments. The only difference is how you secure the borrowing.
When providing a 100% LTV bridging loan, the lender usually offsets their risk using one of two primary methods of security:
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Additional collateral (Equitable charge): The lender takes a first or second charge over an additional property or high-value asset you already own to cover the shortfall in equity. The type of asset accepted varies from one provider to the next, but typically the equity in another residential, commercial, or investment property can be used
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Below market value (BMV) transactions: If you purchase a property at a significant discount (or below market value). In some cases the bridging provider will still lend you 100% of the property’s market value, meaning the discount becomes immediate equity that works in lieu of a cash or asset deposit. However, not all bridging loan lenders will accept this form of security, so speaking to an experienced adviser can help you select the right provider for your circumstances
How to get a 100 LTV bridging loan
Arranging a 100 ltv bridging loan can be challenging, as high-street lenders rarely offer these products directly to the public. Following these 3 steps will help you find the right type of finance for your circumstances:
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Work with a specialist broker: Experienced bridging finance brokers, like those at Money Helpdesk, understand which niche lenders are open to 100% LTV bridging loan structures. They also know which types of security each provider accepts, and can, therefore, help you to present your application in the best light
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Identify acceptable security: It’s important that you can provide recent valuations for any assets that you plan to offer as security. This can help both your broker, and the lender calculate whether they’re able to offer 100% loan or not
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Prepare a viable exit strategy: As with any bridging loan, you’ll need a strong, viable exit strategy to provide the full repayment at the end of the term. Lenders will need to be confident in this if you’re borrowing 100% of the market value. Common exit strategies include selling the property, or refinancing onto a long-term loan options, such as a commercial or buy-to-let mortgage
Get bespoke advice about 100% bridging finance
Eligibility criteria
The eligibility criteria for bridging loans are heavily focused on the quality of your asset security and your exit plan, particularly at 100% LTV. Most bridging providers will look at:
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Quality of security: There must be sufficient equity in the property or asset you choose, usually this will need to be at least 25% of the property value, much like a cash deposit
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Strength of exit strategy: For example, if your strategy is resale, this will need to be realistic and achievable in the timescale, or if you plan to remortgage, will you meet the criteria for longer term lenders
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Property valuations: You’ll need a recent valuation of the purchase property as any secondary properties that are being used as security. Lenders will require independent valuations by an approved chartered surveyor (RICS) for these
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Credit history: As bridging is an unregulated form of lending, credit issues won’t necessarily disqualify you. However, lenders will assess the overall risk profile of your application
Will the interest rates and fees be higher?
Generally, yes. Any form of borrowing with zero cash deposit represents a higher risk to the lender. Typically this will be balanced by higher interest rates, although lender fees and exit fees tend to be the same, no matter the LTV of the bridging loan.
The property type and strength of your asset security can also have an impact on the interest rates charged, which tend to range from around 0.55% to 1.5% per month. However, as bridging loans are bespoke to the individual, they can vary considerably.
Which lenders offer 100 percent bridging loans?
It’s unusual for high street lenders to offer 100 percent bridging loans, but there is a solid UK market of specialist lenders, private equity funds, and challenger banks that are able to offer deposit free bridging loans. Some examples are:
However, there are many more bridging providers who will consider 100% LTV applications. However, these deals almost always require an introduction from an accredited bridging finance broker.
Money Helpdesk's analysis
Head of Bridging and Commercial
Why choose Money Helpdesk for your bridging loan?
Navigating the short-term lending market without expert support can be time-consuming and costly, not to mention you often need to be introduced to these types of lender by an official intermediary, like ourselves.
At Money Helpdesk, our specialist advisers have extensive experience in structuring 100% LTV bridging finance, which they tailor to your precise circumstances and property goals.
We understand that bridging finance is time-sensitive and work rapidly to secure your decision in principle. Your first chat is completely free with no obligation to proceed, so to speak to an expert today, get started here.
FAQs
Yes, it’s possible if you’re buying a property significantly below market value. However, if you’re buying at full price, lenders will almost always require secondary collateral as security. Without secondary security or a substantial purchase discount, mainstream bridging lenders will cap your loan at 70% to 75% LTV.
It does vary by lender, but most accept residential property, commercial property, buy-to-let portfolios, or land with planning permission. In rare cases, high-value assets such as stocks or luxury vehicles may also be considered.
When you secure a property at a heavy discount, for example, a probate or repossession sale at auction, the discount can be used as equity instead of a cash deposit.
For example, if a property is valued by an independent RICS surveyor at £200,000 but you are purchasing it for £140,000, a lender offering 70% LTV against the open-market valuation (£140,000) would effectively provide 100% of the purchase price, requiring no cash deposit from you at completion.