How Much Can I Borrow with a Bridging Loan in 2025?
- Emily Jackson
- Aug 11, 2025
- 2 min read
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
What is a Bridging Loan?
How Much Can You Borrow?
Factors That Affect the Amount
Timeline to Funding
Required Documents
FAQs
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
