Do I really need no deposit?

Correct — no cash deposit is needed. However, you must provide additional property as security. The lender assesses the combined security value.

What is cross-collateral security?

It means the lender takes charges over multiple properties. If you default, they can enforce against any or all of the secured properties.

Is 100% bridging more expensive?

Yes, rates are typically higher than standard bridging due to the increased risk. Expect to pay 0.75-1.5% per month versus 0.55-1% for standard LTV bridging.

Can I use my home as additional security?

Yes, though this carries significant personal risk. You should consider carefully whether the deal justifies putting your home at stake.

100% Bridging Loans

100% bridging loans are possible when you use other property as additional security. We find lenders who offer full-value bridging finance.

100% Bridging Loans Explained

While most bridging lenders require a 25-40% deposit, 100% bridging finance is possible if you can offer additional property as security. This means the lender takes a charge over both the property being purchased and another property you own, reducing their overall risk. It's a powerful tool for investors and developers who have equity in existing properties but limited cash.

100% of purchase price funded (no cash deposit)
Additional property used as cross-collateral security
Residential and commercial properties accepted as security
Fast completion — often within 2-3 weeks
100% fee-free bridging advice

Step 2 of 4

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

How 100% Bridging Works

The lender takes a first charge on the property being purchased and a second (or first) charge on your additional security property. The combined LTV across both properties must be within the lender's acceptable range — typically 65-70% overall. So while you're borrowing 100% of the purchase price, the lender has more security than just the purchased property.

What Can Be Used as Security?

Additional security can be residential property (your home or investment properties), commercial property, land, or other valuable assets. The security property must have sufficient equity to bring the overall LTV to an acceptable level.

Costs and Risks

100% bridging comes at a premium — expect rates of 0.75-1.5% per month and arrangement fees of 2%. The main risk is that both properties are at stake if you can't repay. You need a robust exit strategy and should only use 100% bridging if the deal justifies the cost.

Common Use Cases

100% bridging is commonly used by property developers buying at auction who want to preserve cash for refurbishment, investors acting on time-sensitive opportunities, and chain-break situations where sale proceeds haven't yet been received.