100% Bridging Loans

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Funding options


Scaled For Your Needs

  • 1 to 24 months
  • No Maximum amounts
  • Competitive monthly rates
  • Non-status and full status


  • Bridge short-term funding gaps
  • Interest roll-up schemes
  • Adverse Credit – no problem
  • Funding available in 5 – 7 business days


  • Can be used for refinance
  • Commercial, Residential and Land
  • Up to 90% of value if purchasing Below Market Value
  • Up to 100% Loan to Value supported by other assets

Talk to Rangewell - the Bridging Finance Experts

Bridging Finance can help you secure a property or fund a major business deal. We know the bridging finance lenders that can provide the high level funding you need, fast.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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If you need large-scale finance fast and don’t have available funds, a 100% Bridging Loan could be the answer

Get a fast bridging loan offer with Rangewell on your side

Bridge loan financing is a fast way to raise funds, but often come with high interest rates and short repayment windows. Speak to Rangewell first and we'll help you find the best bridge loan lenders that can offer better rates and terms to suit you. 

Table of Contents

Bridging finance helps property investors and other businesses with short-term funding gaps raise money quickly. There is, however, a big difference between standard bridging loans and 100% bridging finance.

Rangewell can help you secure better deals on standard bridging loans or 100% arrangements - but first you need to understand the difference. Let's take a closer look at what 100% means and why it may be right for you. 

What is bridge financing?

A business Bridging Loan is a short-term loan secured against residential or commercial property. This type of loan can be used to buy the property itself or to fund another business purpose altogether. The name for bridge loans comes from the idea that you'll use the finance to 'bridge' a short-term funding gap.

Bridging Loans have a relatively high cost due to the interest rates offered. They are intended to be repaid quickly, either by the sale of the property in question or by refinancing into another finance product designed for the long-term, such as a Commercial Mortgage. They can usually cover around 70% of the total value of the property they are secured on - which means you'll need to have at least 30% of the property's value as a deposit. 

However, in some circumstances, it is possible to arrange 100% Bridging Loans when you have other assets available.

What is a 100% bridging loan?

100% bridging finance is a special kind of loan used when there is no cash deposit to use towards the purchase. Although called 100% bridging loans, they don’t actually allow you to borrow 100% of the open market value - 70 – 75% of the open market value of a property is the usual maximum. However, they do provide two ways to provide 100% finance - either by using another property or asset to provide extra security or (in some cases) if buying undervalue.

So if you wanted to buy a property for £50,000 to renovate and sell but have no available cash deposit, you could use other assets as extra security for the loan.

Alternatively, if you wanted to buy a portfolio worth £1million on the open market, you could use a 100% bridge to buy the properties at a discounted purchase price of £700,000.

Bridging loans are most commonly used to fund property purchases, but there is actually no restriction on how the funds can be used. So if you find you need finance at short notice, a 100% bridging loan secured on property you already own could provide the answer. 

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Bridging loans can be arranged fast

Bridging loans are intended to let you deal with urgent funding needs or to take advantage of business opportunities that have to be dealt with fast. All bridging loans can be set up within a matter of hours, and funds released in as little as 72 hours, under certain conditions.

Bridging finance rates: what do bridging loans cost?

You'll always find that short-term finance is more expensive than long-term lending. The costs of bridging finance can actually be relatively high but, because loans are only designed for the short-term, the overall cost of finance may realistically have little actual impact on the long-term costs of a major purchase.

So while there's no real option for a cheap bridging loan, you may find them more affordable than you thought once you begin to consider the full scope of the agreement and the future value of the purchase you're making. 

The interest rates charged for bridge loans will vary, depending on your individual circumstances and your business, and also the deal to be funded. Current rates can range from 0.7-1.5% per month, with even higher rates for more difficult propositions. On top of the monthly interest rate, most lenders will charge an arrangement fee of between 1 – 2% In some cases, an exit fee will also be charged,

It's not just bridging finance rates that need to be considered in terms of overall 'cost' - there may be additional fees from surveyors and legal teams. If your bridge loan runs over the pre-agreed term, you will also be stung for substantial penalty fees.

Repayment arrangements can vary. In some cases, you can have rolled up interest and fees into one loan, which can be settled with a single repayment.

If you are using a Bridging Loan to find a property purchase as a short term solution, it can often be paid off by a product designed for the longer-term, such as a Commercial Mortgage. 

Why you need Rangewell to source your Bridging arrangements

Even a fraction of a percentage point can make a huge difference to what you will actually pay for finance, while fees and penalties can complicate things even further. 

There are many different bridge loan lenders. Each will have their own approach to interest rates and fee arrangements, making it difficult to compare offers without an expert eye.  

Our expert support is essential - making the wrong choices can dramatically affect costs. Our experts can work with you to understand your challenges and use our network of contacts to find the lender with the most competitive solution for your needs.

We can put our knowledge to work for you and deliver results that would otherwise be unobtainable. By offering a combination of first and second charge securitisation we may be able to enable you to take out loans for 100% of the costs and fees of your property, while still benefitting from a market-leading rate.

At Rangewell, we know the lenders who can offer business Bridging Loans, and we can use our expertise and experience to identify the deal that really is the most appropriate for you and your needs. Our knowledge can not only help you secure the funding you need - but it can also save you a great deal of money.

Remember, Bridging Finance is designed for short-term use, but we can help you use it as a tactical source of funding for the short-term, and then work to find the most competitive source of long-term funding to replace it. We can also help with other types of Bridging Finance, including High Value Bridging Loans.

So if you want to look at a 100% Bridging Loan as a solution for your financial needs, contact us at Rangewell.


  • Find a Bridging Finance deal of over £1 million to let a developer secure a property

  • Source 100% funding to allow an internet company to buy a competitor      

  • Found a lender to allow a manufacturing company to buy a warehouse, with a loan secured on their factory

  • Find the most competitive funding arrangement to let a chip shop buy their premises when it came up for sale unexpectedly

  • Help a warehouse owner buy an adjacent property at auction, ensuring scope for growth

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • For property professionals
    Bridging Finance is used by professional landlords, investors and property developers as part of their overall property funding strategy.
  • For businesses with property needs
    Bridging Loans can provide support with every type of property acquisition, including purchasing your own business premises.
  • Funding for any purpose
    Securing funds on your existing property can mean you can raise large-scale funding quickly, offering a solution to deal with opportunities as they arise, such as the purchase of another business.
  • For development
    Bridging Loans can provide a great source of funding for short-term development projects which can then be refinanced at a higher value once work is completed.
  • A fast application process
    Bridging Finance providers will take a look at your credit profile, along with the value of the asset, as well as your exit strategy in order to make a decision in the shortest time possible.
  • A single repayment
    In most cases, all fees, interest and charges can be rolled up into a single repayment made at the end of the loan term, when an alternative fund source has been arranged.

Download Rangewell’s free and detailed guide to Bridging Loans

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