Quantum Mortgages has raised the loan-to-value (LTV) limit across most of its bridging products.
The specialist lender has increased the maximum LTV by five percentage points, to 80%, on its residential investment, refurbishment and refurbishment plus bridging ranges. The mixed-use bridge remains capped at 65%, while the foreign national and ex-pat range stays at 75%.
As an introductory offer for November, the lender will waive application fees on its residential investment and refurbishment bridging products at the new 80% LTV level.
The lender said the enhancements form part of its commitment to combining flexibility and certainty in the specialist lending market. Quantum’s bridging proposition is built around manual underwriting and a case-by-case approach, with loans of up to £10 million available, or up to 10 simultaneously.
The product criteria cover a wide range of property types including HMOs, multi-unit blocks, semi-commercial properties and ex-local authority homes. Borrowers include foreign nationals, expats and clients in Northern Ireland.
Each bridging product is structured to provide a straightforward exit route into Quantum’s fixed-term buy-to-let range, with both product sets sharing near-identical criteria.
The lender said this consistency helps landlords and investors move smoothly from short-term finance to longer-term investment products, particularly where refurbishment or portfolio expansion is involved.
Brokers also have access to in-house experts authorised to issue terms directly, ensuring quicker decision-making and support from enquiry to completion. Dual legal representation is available across the range.
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.”
