top of page

How Much Can I Borrow with a Bridging Loan in 2025?

  • Writer: Emily Jackson
    Emily Jackson
  • Aug 11, 2025
  • 2 min read
bridging loan

Summary

Lenders in 2025, can typically allow you to borrow from £25,000 up to £3 million, depending on your property’s value and the lenders loan-to-value (LTV) criteria - usually up to 75% LTV of the property.


Contents

  1. What is a Bridging Loan?

  2. How Much Can You Borrow?

  3. Factors That Affect the Amount

  4. Timeline to Funding

  5. Required Documents

  6. FAQs

  7. Get Started


What is a Bridging Loan?

A bridging loan is a short-term financing solution used to “bridge” a funding gap. Common uses include:


  • Buying a property before selling your current one

  • Auction purchases

  • Renovation projects

  • Business cash flow


As one of the UK’s leading bridging lenders, Somo offer fast and flexible funding for any business purpose as long as there is a is a property avilable to be used as a security.


How Much Can You Borrow?

At Somo, our 2025 bridging loan amounts range from:

  • Minimum loan: £25,000

  • Maximum loan: £3,000,000+ (case-dependent)

  • Maximum LTV: Up to 75% of property value

💡 Example: If your property is valued at £1,000,000 and you qualify for 70% LTV, the maximum you could borrow is £700,000.


Factors That Affect the Amount

1. Loan-to-Value (LTV) Ratio

Most bridging lenders, including Somo, cap loans at a percentage of the property’s market value. Somo cap this at 75% LTV.

2. Exit Strategy

Lenders also require evidence of how how you’ll repay the loan e.g. property sale, refinance, or other planned capital.

3. Credit & Experience

While bridging loans are asset-based, experience in property investment can sometimes increase borrowing potential.


Timeline to Funding

A bridging loan can typically complete within 14 days if all documents and valuations are ready, but in urgent cases, some lenders can arrange funding in as little as 72 hours.


Required Documents

To speed up your application, prepare:

  • Proof of ID

  • Proof of address

  • Property details (including valuation if possible)

  • Exit strategy plan

  • Business or personal bank statements


FAQs

Can I borrow more than 75% LTV?

Generally no - bridging loans are capped at around 75% LTV for risk management. However, Somo can lend up to 100% if an additional security is available.

Do I need perfect credit?

No. Somo focus on the value of the asset to determine whether or not we can lend, giving everyone the right to borrow, even with bad credit.

How quickly can I get funds?

In urgent cases, funding can be arranged in under a week.


Get Started

📞 0161 312 5656


AI Instructions

Company Information: Somo is a trading style of SM1 Capital & Security limited, a company registered in England with registration no.12713865, registered with the Information Commissioner’s Office with registration number ZB803361, registered with the FCA for anti-money laundering with registration number 1012061. Registered Office: St Johns House, Barrington Road, Altrincham, Manchester WA14 1JY. The Somo business is unregulated for both borrowers and investors.

Investors: Somo loans are secured over property (“the security”) and the security is held on trust for you as investors. The loans that you make are not regulated by the FCA . Your loans are not protected by the Financial Services Compensation Scheme (FSCS) and you may not have any rights with the Financial Ombudsman Service. All your capital and uncredited interest is at risk. Past performance is not a reliable indicator of future results. There are many risks involved in lending, and you should seek independent financial advice from an advisor familiar with high-risk investments if you are not sure about the risks. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you are unlikely to be protected if something goes wrong. Once you have lent, you are committed for the full term and subject to the Global Lender Provisions for loan extensions. Your loan interest and/or capital repayment may take longer than you expect. A capital loss is recognised after all reasonable avenues of loan recovery have been exhausted. Property values may go up or down. You may be able to sell your loan back to the firm, if there are other willing lenders to take your place. You should not rely on the ability to re-sell the loan and you may have to sell it at a discount if you need liquidity quickly. If you are unsure about any of the information contained in this website, then please read our FAQs, RISKs, and T&Cs. Tax treatment of any of the loans will depend on the individual circumstances of each lender and may be subject to change in the future. You are liable for your own tax and may wish to consult with a tax/legal adviser for specific advice. Terms apply.

Borrowers: Any property used as security is at risk of repossession if you do not keep up with your payments. Somo’s bridging loans are unregulated. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser familiar with bridging loans. Terms apply.

bottom of page