£120K Bridging Loan Secured Against a London Buy-to-Let to Release Capital for a Property Purchase Overseas
£120,000 bridge · ~£750,000 London BTL · completed in five weeks
5 weeks
In short
Can you get a bridging loan on a London buy-to-let to buy property overseas?
Yes, subject to lender criteria. In this reported case, an overseas-based owner raised a £120,000 bridging loan against her London buy-to-let, valued at about £750,000, to complete an overseas home purchase. The process ran fully remotely and completed within five weeks, with the future sale of the London property as the planned exit.
- £120,000 bridging loan secured on a London buy-to-let valued at approximately £750,000.
- Loan funds supported an overseas residential purchase; the security stayed in the UK.
- Borrower lived overseas; application, valuation and legals were managed remotely.
- Completed within five weeks; planned exit is the future sale of the London property.
Illustrative property image — not the clients’ actual property.
- Bridging loan
- £120,000
- Security value
- c. £750,000 (London BTL)
- Time to complete
- Within 5 weeks
- Borrower location
- Overseas, fully remote
- Loan purpose
- Overseas property purchase
- Planned exit
- Future sale of London BTL
- Challenge
- The client owned a London buy-to-let valued at approximately £750,000 and needed additional capital to complete an overseas residential purchase. She intended to sell the London property in future, but the overseas opportunity could not wait for a sale. She was living overseas and needed the process run remotely, funds were needed within a short timeframe, the security was a UK buy-to-let while the loan purpose related to a transaction abroad, she had not arranged property finance for many years, and the exit relied on the future sale of the London property.
- Solution
- Clifton International facilitates introductions to specialist property finance teams, rather than acting as lender or mortgage adviser. In the supplied account, the bridging team reviewed the client's circumstances, assets and objectives, then identified a specialist lender comfortable lending against a UK buy-to-let, working with an overseas-based client, completing remotely and assessing an exit based on the future sale of the London property. The team coordinated the lender, solicitors and valuers across jurisdictions and time zones.
- Funding structure
- A £120,000 bridging loan secured against the client's London buy-to-let, valued at approximately £750,000, so she retained ownership of the asset. The planned exit is the future sale of the London property. The supplied account does not state the interest rate, fees, term, charge position, existing mortgage balance or regulatory classification.
- Outcome
- The bridging loan completed within five weeks, giving the client the funds to progress her overseas purchase without waiting for a sale, while keeping flexibility over when to sell the London property. The account does not report the subsequent sale or repayment of the bridge. This is a reported case-specific outcome, not a guarantee of funding.
Case evidence, sources and limitations
Source: Clifton Private Finance's anonymised transaction narrative, headed ‘£120K Bridging Loan Secured Against a London Buy-to-Let to Release Capital for a Property Purchase Overseas’. Clifton Private Finance is the arranging team named in the account. Clifton International presents the case as an introducer, not as the lender or mortgage adviser. Figures are reported case facts, not audited market statistics.
The interest rate, fees, term, charge position, any existing mortgage balance, regulatory classification, overseas country and completion date are not supplied. The £750,000 value is approximate. Do not infer an exact LTV. The subsequent sale and final repayment are not confirmed. The image is illustrative, not the client's actual property. Other applications require individual underwriting and an evidenced exit; property may be repossessed if repayments are not maintained.
Case narrative updated . This is an editorial date, not the completion date.
- Clifton Private Finance — bridging loans
Clifton Private Finance is the source of the transaction narrative and the arranging team named in the account. This link is to its bridging loans overview, not a standalone record of this transaction.
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FAQs
Questions on this case
- Can a UK bridging loan fund a property purchase abroad?
- It can, subject to lender criteria. In this case the loan was secured on a London buy-to-let and the funds supported an overseas residential purchase. The lender assessed the UK security and the exit, not the overseas property.
- Can I arrange a London bridging loan while living overseas?
- Yes, with lenders that accept overseas-based borrowers. Here the client lived abroad and the application, valuation and legal work were all managed remotely across time zones.
- How long did this London bridging loan take?
- The supplied account reports completion within five weeks from enquiry.
- What was the loan-to-value?
- The exact LTV is not disclosed. The loan was £120,000 against a buy-to-let valued at approximately £750,000; any existing mortgage balance and the lender's valuation are not supplied.
- How will the bridge be repaid?
- The planned exit is the future sale of the London buy-to-let. The account does not confirm the sale or final repayment.
More answers in our UK mortgage FAQs, covering standard mortgages, expat applications, foreign-currency income and bridging.
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