Large Bridging Loans

Designed to be fast and flexible.

A large bridging loan is a short-term financial solution where the gross loan amount surpasses £4,000,000. Large loans help provide urgent funding to purchase property and can help remove the worry of missing a lucrative property investment opportunity:

Finance for luxury properties
Single high-valued residential or commercial property purchases
Raise funds to increase large property portfolios
Refinancing to consolidate portfolios
Provide finance for buying a block of buildings
Facilitate the purchase of multiple flats or buy to let properties

You can borrow funds for as long as 24 months with our short-term finance. We do not have any early repayment charges, meaning you can organise a suitable exit plan in a timeframe that works for you.

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Try the MFS bridging loan calculator to estimate the amount you can borrow, interest and other costs. Just enter the market value of your property, any outstanding mortgage, the amount you’d like to borrow and the months you’d need the money for. The calculator is easy to use and you get instant results.

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Large Bridging Loans –

What you need to know:

How can I use a large bridging loan?How do large loans differ from smaller bridging loans?How much can I borrow?Does it take longer to arrange a large loan?Do your large loans have any additional fees?

Large loans help purchase high-end property, commercial assets, buying flats in bulk or for development exit finance, large loans can help individuals and companies alike. Moreover, as a flexible form of alternative finance, you can tailor a large bridging loan to suit a variety of various bridging scenarios and assets. These include:

Student accommodation
Commercial property
Properties with complex structures
Starting a new business venture

With property prices continuing to rise, large bridging loans have become increasingly popular. MFS deals with large bridging loans regularly, allowing individuals and businesses to complete on large projects quickly and efficiently.

For us, it’s purely the loan amount. We do not have specific criteria that apply for large loans, as the application process is the same. We assess every bridging enquiry on a case-by-case basis at the discretion of our underwriting team. Yet, we tend to find that our large loans are often deployed to buyers facing complex circumstances. As specialists in the complex, we understand that these cases may need increased funding to overcome certain issues. Therefore, we have dedicated funding lines to help with these situations.

As mentioned, large loans are when the funding supplied surpasses £4,000,000. However, you can borrow up to £50m with us. Criteria may vary depending on the type of asset your are securing against.

The amount you can borrow will be dependent on your property value and the loan-to-value (LTV) you require. These elements will also affect your monthly interest rates, you can see indicative rates on our bridging rates page.

Not at all. Our large loans can see funds delivered to your account within the same time frame as our other bridging products. With several funding lines available to us, as well as in-house funds, we’re able to provide fast finance in as little as three days: no matter the loan size.

We provide all our rates upfront, to ensure there are no hidden fees for you throughout your term. We also guarantee that our rates will not change throughout your term of your MFS bridging loan. When we say yes, we mean it.

The fees you can expect to see when using a bridging loan include:

Your rate: This rate will change case-by-case, depending on your product, LTV and term length.
Arrangement fee: This is a fee charged by the lender for organising the loan and completing all the necessary checks.
Commitment fee: Usually requested to cover initial work done on the loan by the lender, this fee will be returned upon the drawn down of the loan.
Valuation fee: We will conduct a valuation on your property if you need a valuation report. We accept long-form / Red-Book valuations.