Quantum Mortgages has increased the loan-to-value (LTV) across most of its bridging products, raising the maximum from 75% to 80%.
The enhancement applies to the lender’s residential investment, refurbishment, and Refurbishment PLUS bridging products, while the mixed-use bridge remains at 65% LTV and foreign national and expat bridging products at 75%.
As part of a special introductory offer for November, Quantum has removed the application fee on its residential investment and refurbishment bridging products at the new 80% LTV level.
The lender’s bridging range offers loans available up to £10m, or up to 10 simultaneous cases.
Criteria supports a wide variety of property types, including houses in multiple occupation (HMOs), multi-unit blocks (MUBs), semi-commercial and ex-local authority properties, while also accommodating borrowers such as foreign nationals, expats, and clients in Northern Ireland.
Each product is structured with a clear exit route into Quantum’s buy-to-let (BTL) range, with closely aligned criteria to ensure a smooth transition from short-term to long-term finance – particularly for investors undertaking refurbishments or portfolio expansions.
Brokers also benefit from direct access to in-house experts who are authorised to issue terms, enabling faster decision-making and a more streamlined application process.
Dual legal representation is available to further speed up completions.
Harsha Dahyea, chief commercial officer at Quantum Mortgages, said: “We’ve designed our bridging range to mirror our buy-to-let criteria, making it easier for brokers to plan long-term strategies for their clients.
“By increasing LTVs and maintaining that alignment, we’re giving brokers even more flexibility to support landlords and investors, whether they’re purchasing, refinancing or refurbishing.
“With expert support available to issue terms quickly, we’re continuing to make bridging finance as practical and predictable as possible.”
