Mortgage guide
VAT Bridging Loans: detailed guide
We provide VAT bridging finance advice for those purchasing VAT-registered properties or land.
Written by an adviser at Mortgage Lane
CeMAP · FCA authorised firm
- Published
- 13 Apr 2026
- Last reviewed
- 8 Oct 2026
- Reading time
- 1 min
What is VAT bridging?
Election for VAT: Property owners may opt to charge VAT, enabling them to reclaim VAT on property-related expenses. This requires notifying HMRC within 30 days before making any exempt supplies.
Reclaiming VAT on a property purchase
When dealing with a VAT bridging loan, the process of reclaiming VAT is typically managed by the lender on behalf of the borrower.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.