London | Buy-to-Let Bridging Loan

Mar 28, 2026

London deal. Portfolio growth.

For brokers, investment acquisitions often require a lender that can balance speed with practical underwriting. Where borrowers are expanding existing portfolios, early clarity around structure and exit strategy can help transactions progress more efficiently and avoid unnecessary delays later in the process.

This buy-to-let bridging loan was structured to support the acquisition of a London investment property being added to the borrower’s portfolio.

£337,500 was provided at 75% LTV using an AVM structure, with completion achieved within the client’s preferred timeframe.

The Buy-to-Let Bridging Loan Scenario

The borrower required funding to acquire a buy-to-let property as part of their ongoing portfolio growth strategy.

The transaction involved a straightforward investment acquisition with a clearly defined purpose and exit strategy already in place. Speed and clarity were important to ensure the purchase progressed smoothly within the required timeframe.

Buy-to-Let Bridging Loan Structure

First charge bridging
£337,500 facility
75% LTV
AVM structure
Completed within preferred timeframe

The buy-to-let bridging loan was structured to provide a practical and efficient funding solution while maintaining a clear and commercially sensible underwriting approach.

The Outcome

Straightforward investment acquisitions still rely on clear underwriting and efficient execution.

In this case, the combination of asset quality, leverage, and investment rationale allowed the deal to progress smoothly using an AVM structure and a practical lending approach.

For brokers, buy-to-let bridging loans can provide a flexible solution where borrowers are looking to move quickly on investment opportunities without unnecessary delays or complexity.

Where the structure works and the exit is clearly understood, decisive lending helps keep transactions moving as expected.

Portfolio growth.
Clear structure.
Delivered on time.

📍 No Drama. Just Deals.

What Brokers Say

We’ve worked with ScotLend for over two years and it’s been a consistently positive experience. Their can-do attitude, responsiveness and commercial approach make getting deals done straightforward. It’s a refreshing shift away from the more antiquated way of doing things. Communication is direct, decisions are quick, and their structure keeps everything simple and transparent. They’re efficient, easy to work with, and always a pleasure to deal with.

Sarah Fisher, Acquisitions & Investments, Kensington Shorre

I have known David Travers, the co-owner of ScotLend for many years now. We have been using their products and services since they launched as Scottish Bridging Loans in 2023 and since the re-brand to ScotLend, David’s knowledge, dedication and expertise has taken the business to the next level up. The highly professional team at ScotLend put the client at the heart of the transaction and our experience of the way they conduct their business has been fantastic.

Alistair Ewing, Managing Director, The Lending Channel

Working with ScotLend has been a delightful experience especially when you’re up against tight timelines and clients who need answers yesterday. No overcomplicating matters just straight decisions, and a team that actually picks up the phone. What stands out is their willingness to actually listen. When a deal needs a bit of context or clarity, the underwriters are open to the conversation, take the time to understand the client’s position, and look at the bigger picture rather than just what’s on paper.

Noreen Baqir, Circle Finance

As a commercial broker, having access to a reliable bridging lender is obviously really crucial. ScotLend has proven to be a very trusted partner, consistently delivering speed, flexibility, and a pragmatic approach to underwriting, that enables me to provide fast, effective solutions for my clients. The team at ScotLend are also an absolute pleasure to work with and the focus they have on clear and effective communication always helps ensure a positive experience for myself and my clients.

Kevin Gaughan, Director, DMK Finance

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