---
title: "Loan-to-value on a bridging loan"
description: "How property type, additional security and the exit affect loan-to-value."
url: "https://mortgagelane.com/guides/bridging-loan-guide/loan-to-value-on-a-bridging-loan"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Joseph Lane"
category: "Mortgage guide"
reviewed: "2026-10-05"
reading_time: "2 min"
byline: "Joseph Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Loan-to-value on a bridging loan

How property type, additional security and the exit affect loan-to-value.

How property type, additional security and the exit affect loan-to-value.

[Bridging loan](https://mortgagelane.com/definitions?term=bridging-loan)

Bridging finance

A short-term loan secured against property or land to cover a funding gap until an agreed repayment event, such as a sale or refinance.

[Read the full definition of Bridging loan](https://mortgagelane.com/definitions?term=bridging-loan)

Back to overview

[Bridging Loan Guide](https://mortgagelane.com/guides/bridging-loan-guide)

Related definitions

[Bridging loan](https://mortgagelane.com/definitions#def-bridging-loan)

## Loan-to-value on a bridging loan

### Loan-to-value on a bridging loan

**Loan-to-value on a bridging loan depends on the security type, the planning position, and whether additional security is offered.** As a guide across the market:

- **Residential property:** up to 90% LTV without additional security
- **Regulated bridging (a home the borrower will live in):** typically up to 75 to 80% LTV
- **Commercial and semi-commercial property:** up to 75 to 80% LTV depending on asset and valuation route
- **Land:** typically 50% to 70% LTV, with planning status the main driver. Land with consent or strong planning prospects attracts the higher end
- **Auction purchases:** up to 85% LTV on standard lots
- **With additional security:** up to 100% of the purchase price, achieved through a cross-charge over another property
- **Below market value (BMV) purchases:** lenders may advance up to 90% of open market value on a gross basis including rolled-up interest, which can equate to 100% or more of the purchase price where the discount is genuine and evidenced by valuation

The maximum for any specific case is set by the asset's marketability, the borrower's overall position, and. Above everything: the credibility of the exit.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-10-05

Source: https://mortgagelane.com/guides/bridging-loan-guide/loan-to-value-on-a-bridging-loan