Portfolio Bridging Loans: one facility across multiple properties
For landlords and investors: raise against several properties at once, restructure a portfolio, or move fast on the next purchase using equity spread across the book.
Talk to Ashley about your deal
When portfolio bridging fits
- Raising a deposit fast from equity spread across properties
- Buying the next property before refinancing the last
- Restructuring: consolidating, title-splitting, exiting fixed rates in stages
- Bulk purchases, a job lot from a retiring landlord
"Portfolio deals are chess, not draughts. Cross-charging three properties to avoid disturbing two good mortgages is exactly the kind of move a broker should be finding you."
Structures: one loan, many charges
There are two ways to build these deals: a single facility with charges over several properties, or several smaller bridges running side by side. The right answer depends on which of your mortgages you want left untouched, and on the release schedule as you sell or refinance. Getting that structure right at the start is most of the job.
Partial releases are the detail that matters. Each property gets a release figure agreed up front: sell it, repay that slice, and the facility keeps running on the rest. Agreed on day one, not negotiated later when the buyer is waiting.
One thing to be straight about: every property charged is security for the loan. Cross-charging is a powerful tool, and it means more of your book is on the line if things go wrong, which is why the exit plan gets more scrutiny on these deals, from us before the lender.
We're writing this one up: a portfolio refinanced onto one facility.
See the case studies we have published →How the Portfolio Bridging Process Works with Bridging Finance Broker
Can I secure a bridging loan against multiple properties?
Yes. Spreading the loan across several properties usually means you can borrow more, and a lower combined loan to value can price better too. Not every lender offers it, some only want single security, and that's where a whole of market broker earns their keep.
What is a cross charge bridging loan?
A bridge secured by charges over more than one property at the same time, so the combined equity does the work. It's how you raise a large sum without disturbing the cheap mortgages sitting on individual properties.
Do all the properties need to be unencumbered?
No. Second charges behind existing mortgages are common, within combined loan to value limits. Your existing mortgages stay exactly as they are.
Can I remove a property from the loan during the term?
Yes, that's a partial release. Each property has a release figure agreed at the start: sell it, repay that slice, and the facility continues on the remaining properties.
Should I borrow in a limited company or my own name?
Both work, and the tax treatment differs, so that part is a conversation with your accountant. Once you know the answer, we structure the debt to match.
Can you have more than one bridging loan at the same time?
Yes, there's no rule against it. Sometimes several separate bridges beat one big facility, usually when you want the properties to stay independent of each other. We run both structures and show you the difference.
Got a deal like this on your desk?
Tell us the numbers and we'll tell you honestly what's achievable.
Prefer to put it in writing? Email support@bridgingfinancebroker.co.uk