Large Bridging Loans | £250k to £75m+ | Fast Bridging

Large Bridging Loans

Large Bridging Loans

Large bridging loans — facilities of £1 million and above — require a fundamentally different approach to standard bridging finance. The lender panel narrows, underwriting becomes more bespoke, and the structuring of security, interest, and exit strategy demands specialist expertise that generalist brokers cannot provide. At the higher end of the market — £5 million, £10 million, £75 million and beyond — transactions move into the territory of private banks, family offices, and institutional credit funds where relationships and track record matter as much as the numbers on the application.

Platinum Global Bridging Finance specialises in arranging large bridging loans from our office at 64 Knightsbridge, London. We access private banks, specialist lenders, family offices, and institutional credit funds to structure facilities from £1 million to £75 million and above across residential, commercial, development, and mixed-use assets. Indicative terms are delivered within 24 hours of enquiry.

What Is a Large Bridging Loan?

A large bridging loan is a short-term, asset-secured facility typically starting at £1 million and extending to £75 million or more. Like all bridging loans, it is secured against property and repaid through a defined exit strategy — usually a sale, refinance, or development completion. What distinguishes large bridging is the complexity of the transactions it serves, the calibre of lender required, and the bespoke structuring that each facility demands.

At £1-3 million, several specialist bridging lenders compete actively and terms are relatively standardised. Above £5 million, the lender panel narrows significantly — perhaps to 10-15 lenders with genuine appetite and execution capability. Above £10 million, you are typically working with private banks, credit funds, or family offices who assess deals individually rather than applying formulaic criteria. Above £25 million, facilities are structured on a fully bespoke basis with negotiated terms, covenants, and security packages. This is where a specialist HNW broker adds the most value — we maintain relationships across the full spectrum and match the right lender to the specific deal.

When Large Bridging Loans Are Used

Prime Central London Acquisitions

Property values in Mayfair, Knightsbridge, Belgravia, Chelsea, and St James’s routinely exceed £5 million for a single property. A Georgian townhouse in Mayfair can trade above £15 million. A lateral apartment in Knightsbridge above £10 million. These transactions demand bridging lenders comfortable with high-value single-asset exposure and experienced in Prime Central London valuations. The vendor expects a buyer who can demonstrate immediate capital commitment — and in a market where competing buyers may be cash purchasers or sovereign wealth funds, a bridging loan with confirmed funds is the minimum entry requirement.

Portfolio Acquisitions

Professional investors acquiring multiple properties simultaneously — whether a portfolio of buy-to-lets, a block of apartments, or a mixed portfolio across several locations — require aggregated facilities that exceed the limits of standard bridging. We structure portfolio bridging loans as single facilities with cross-charged security, simplifying the legal process and reducing overall costs compared to arranging individual bridges for each property.

Development Site Purchases

Large development sites — particularly in London and the South East — require significant capital to acquire before development finance is arranged. A large bridging loan secured against the site provides the acquisition capital, with the exit being a transition to a full development finance facility once planning is secured. This bridge-to-development structure is one of the most common uses of large bridging in the London market.

Commercial and Mixed-Use Acquisitions

Office buildings, retail centres, industrial estates, and mixed-use developments in London and regional cities frequently trade above £5 million. Commercial bridging finance at this scale requires lenders who understand commercial valuations, tenant covenants, vacancy rates, and the income dynamics of multi-let assets. Standard residential bridging lenders lack this expertise.

International and Complex Borrower Structures

High-net-worth individuals and international buyers frequently purchase UK property through offshore companies, trusts, or SPV structures. These structures are entirely legitimate but add complexity that standard bridging lenders cannot process within competitive timescales. Large bridging lenders — particularly private banks and credit funds — are experienced in assessing and lending to BVI companies, Jersey trusts, Guernsey entities, and multi-layered corporate structures. The additional underwriting time is factored into the facility timeline, and the terms reflect the lender’s comfort with the jurisdiction and structure involved.

Bridge to Private Bank Mortgage

One of the most common large bridging scenarios is a temporary bridge while a private bank mortgage completes. Private bank mortgages — from institutions like Coutts, C. Hoare, Arbuthnot Latham, and the private banking divisions of HSBC, Barclays, and NatWest — offer excellent long-term rates, often sub-2.5%. However, these facilities can take 3-6 months to process through the bank’s credit committee, particularly for international buyers or complex income structures. A large bridging loan secures the property immediately, with the private bank mortgage providing the exit. The bridging cost is offset by the significantly better long-term rate achieved from the private bank compared to arranging a faster but more expensive standard mortgage.

Probate, Divorce, and Inheritance Situations

Large estates in probate, high-value divorce settlements, and inheritance situations frequently require interim capital to fund property acquisitions, maintain existing properties, or provide liquidity while legal processes conclude. These situations are inherently complex — the assets are substantial, the legal timelines are uncertain, and the borrower profile may involve trustees, executors, or family members rather than individual purchasers. Large bridging lenders with experience in estate and trust lending can structure facilities around these complexities.

Large Bridging Loans: What We Arrange

Loan sizes from £1 million to £75 million and above. LTV up to 75% on prime residential, up to 70% on commercial, and higher with cross-charged additional security across multiple properties. Interest rates from 0.45% per month on prime residential at conservative LTV — rates increase with LTV, property type, and complexity. Interest can be rolled up, retained, or serviced monthly. Terms from 1 to 24 months. We charge no broker fee on any facility — all our large bridging loans exceed the £500,000 threshold.

How Large Bridging Differs from Standard Bridging

Lender Selection

Standard bridging under £1 million is served by a broad panel of 50+ lenders with largely commoditised terms — the broker’s role is largely administrative. Large bridging requires a curated lender approach — matching the specific deal to the specific lender whose appetite, pricing, speed, and structuring capability align with the transaction requirements. Getting this match wrong costs the borrower time and potentially the deal.

Valuation

Properties above £5 million require valuations from RICS-accredited surveyors with specific experience in high-value residential or commercial assets. The valuation process takes longer — often 7-10 working days for prime residential — and is more subjective. For unique properties such as period townhouses, estates, or architecturally significant buildings, the choice of valuer can materially affect the loan amount offered. We recommend valuers with demonstrable experience in the relevant market segment.

Legal Complexity

Large bridging transactions frequently involve complex title structures, multiple charges, cross-collateralisation, corporate borrowers, negotiated facility agreements, and bespoke security packages. Legal fees are higher (£5,000-£15,000+ for borrower and lender combined) and the process takes longer. We work with solicitors experienced in specialist lending to minimise delays — firms like Forsters, Mishcon de Reya, and boutique property finance practices who understand the urgency of bridging transactions at this level.

Relationship Lending

Above £10 million, lending becomes relationship-driven. The lender wants to understand the borrower — their track record in property, their net worth, their broader banking relationships, and their strategic intention for the asset. This is not tick-box underwriting; it is a commercial conversation between sophisticated parties. A broker with established lender relationships can facilitate this conversation and position the deal effectively — which often means better terms and faster execution than a borrower approaching the lender cold.

Worked Example: £8 Million Prime London Bridging Loan

An international buyer is acquiring a lateral apartment in Knightsbridge for £8 million through a BVI-registered company. The buyer has a Coutts private bank mortgage in progress but the credit committee process will take 4 months. The vendor has received a competing cash offer and will not wait beyond 6 weeks for completion.

Solution: a £5.6 million bridging loan (70% LTV) secured against the apartment, arranged through a specialist private credit fund experienced in offshore corporate lending. Interest rate: 0.55% per month, rolled up. Term: 9 months to provide comfortable headroom for the Coutts process. Total interest over 4 months (expected actual term): £123,200. Lender arrangement fee at 1.25%: £70,000 (added to the loan). Valuation fee: £3,500. Combined legal fees: £12,000. Total bridging cost: approximately £208,700. The Coutts mortgage completes at month 4 at a rate of 2.1%, saving the buyer approximately £15,000 per year compared to the next-best long-term mortgage option. Over a 10-year mortgage term, the rate saving significantly exceeds the bridging cost.

Costs of Large Bridging Loans

Monthly interest rates for large bridging typically range from 0.45% to 0.85% per month, depending on LTV, property type, borrower profile, and complexity. Rates at the lower end apply to prime residential at conservative LTV with straightforward borrower structures; rates at the higher end apply to complex commercial, offshore, or higher-LTV facilities. Lender arrangement fees are typically 1-2% of the loan, though on facilities above £5 million these are often negotiable — we regularly achieve arrangement fees of 1-1.25% on large facilities. Valuation fees for high-value properties range from £1,500 to £5,000+. Legal fees for both borrower and lender solicitors typically range from £5,000 to £15,000 on complex transactions.

Frequently Asked Questions

What is the maximum loan size for a bridging loan?

There is no fixed maximum. We regularly arrange facilities of £10-75 million and have access to lenders who will consider facilities above £75 million for the right transaction. The practical limit is determined by the property value, the available security, and the lender’s appetite for concentration risk on a single asset.

Can I get a large bridging loan through a limited company or SPV?

Yes. Most large bridging loans are arranged through corporate structures — SPVs, limited companies, offshore entities, and trusts. Lenders at this level are experienced in assessing corporate borrowers and complex ownership structures. See our limited company bridging loans page for more detail.

How quickly can a large bridging loan complete?

Facilities under £5 million can complete in 7-14 working days. Facilities of £5-10 million typically take 2-4 weeks due to valuation complexity and legal work. Facilities above £10 million may take 3-6 weeks depending on the lender’s credit committee process and the complexity of the borrower structure. For urgent cases, see our fast bridging loans page.

Do I need a personal guarantee on a large bridging loan?

This depends on the lender and the structure. Some lenders require personal guarantees from directors or beneficial owners. Others — particularly on lower LTV facilities with strong security — will lend on a non-recourse basis, with the property as the sole security and no personal guarantee required. We identify the most appropriate structure during the initial assessment and can source non-recourse options where the deal profile supports it.

Can large bridging be used alongside development finance?

Yes. A common structure is a bridging loan for site acquisition followed by a transition to full development finance once planning is secured. Some lenders offer combined acquisition-and-development facilities under a single agreement, simplifying the process and reducing costs.

Does Platinum Global charge a fee on large bridging loans?

No broker fee on any facility of £500,000 or above — which means no broker fee on any large bridging loan we arrange.

Related Bridging Finance

• Bridging Loans — our main UK bridging loans page
• Auction Bridging Finance
• Chain Break Bridging Loans
• Limited Company Bridging Loans
• Second Charge Bridging Loans
• Fast Bridging Loans
• Commercial Bridging Finance
• London Bridging Loans