Large Bridging Loans
Facilities above £1 million are underwritten differently from smaller bridging loans, and are placed with a distinct group of lenders.
Large Bridging Loans
Seven and eight-figure facilities, underwritten by relationship
Large facilities are relationship-led rather than criteria-led. We know which lenders have appetite at each level and can present a case directly to credit rather than through a call centre.
Why Large Bridging Loans Requires the Right Lender
What we arrange
- Facilities from £1 million to £25 million and above
- Single-asset and portfolio-backed lending
- Private bank and specialist lender routes
- Cross-collateralised structures where appropriate
Who this is for
- High-net-worth borrowers releasing capital at short notice
- Investors restructuring a portfolio
- Clients purchasing prime residential property ahead of a sale
How London FS helps
Large facilities are relationship-led rather than criteria-led. We know which lenders have appetite at each level and can present a case directly to credit rather than through a call centre.
Important information
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.
Access Above £1 Million
A distinct lender group operates at this level and most is intermediary-only.
Private Bank Relationships
Direct access to private banks for facilities where pricing is negotiated individually.
Cross-Collateralised Structures
Charging several assets to improve loan-to-value where it serves you.
Why Large Bridging Loans with London FS?
Large Bridging Loans requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
Large facilities are relationship-led rather than criteria-led. We know which lenders have appetite at each level and can present a case directly to credit rather than through a call centre.
Credit Presented Directly
Large cases are argued to decision-makers rather than filtered through a call centre.
Finer Pricing at Scale
Larger facilities frequently attract better terms, and we benchmark to prove it.
Absolute Discretion
Sensitive cases handled without unnecessary circulation of your financial position.
Who Benefits from Large Bridging Loans
High-Net-Worth Borrowers
Portfolio Investors Restructuring
Buyers of Prime Residential Property
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I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Substantial Facilities, Handled Discreetly
Facilities above £1 million are underwritten differently from smaller bridging loans, and are placed with a distinct group of lenders.
Related Bridging/Development Finance Services
Our Bridging/Development Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
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Frequently Asked Questions on Large Bridging Loans
Is there an upper limit?
In practice, no fixed ceiling. Above roughly £10 million the case is usually placed with private banks or institutional lenders.
Are rates higher on large facilities?
Not necessarily. Larger loans often attract finer pricing because the lender is deploying more capital against quality security.
Can multiple properties be used as security?
Yes. Cross-charging several assets is common where it improves the loan-to-value position.
Is a personal guarantee required on large facilities?
Often, though on high-value cases with strong security the scope can frequently be negotiated down.
How is a large facility valued?
Usually by a RICS red book valuation, and on very large cases lenders may commission two independent valuations.
Can facilities be drawn in tranches?
Yes. Where funds are needed in stages this reduces the interest cost considerably.
Are overseas assets acceptable as security?
Some private banks will consider them, though most UK bridging lenders require UK-situated security.
How quickly can a large facility complete?
Typically two to four weeks. The scale of due diligence means these rarely complete as fast as smaller loans.
What loan-to-value is realistic?
Commonly up to 65-70% on residential security, higher where additional assets are charged.