BMV Property Finance
Fast bridging finance for below-market-value purchases - motivated sellers, probate sales, auction lots, and distressed properties. Completion in days, not months. 130+ specialist lenders.
Speed is the defining advantage in BMV deals
Below-market-value deals exist because sellers need speed above price. A motivated seller in a chain-free transaction, a probate executor needing to release cash, an auction lot requiring 28-day completion - in each case the buyer who can transact fastest secures the deal at the best price.
Standard mortgage finance takes 4-8 weeks and often falls through on unusual or distressed properties. Bridging finance completes in 5-14 days on straightforward cases, works on almost any property type, and is not subject to the automated underwriting that declines non-standard properties.
Doulton Bridging Finance specialises in fast completions for BMV purchases. We have placed cases from instruction to drawdown in under a week for motivated sellers and auction purchases. Same-day indicative terms, formal offer within 48 hours, completion when the solicitors are ready.
Indicative Rate Guide
| Purchase Type | Rate From | LTV | Completion Speed |
|---|---|---|---|
| Motivated seller (residential) | 0.55% pm | Up to 75% | 7-14 days |
| Probate / estate sale | 0.60% pm | Up to 75% | 7-21 days |
| Auction purchase | 0.55% pm | Up to 75% | 5-14 days |
| Distressed / uninhabitable | 0.75% pm | Up to 65% | 7-21 days |
Rates are indicative and subject to individual assessment. Your actual terms may differ based on the specifics of your case.
Six factors that determine your BMV finance
Property Condition
Habitable properties with standard construction attract the best rates and the widest lender choice. Uninhabitable properties, non-standard construction, and properties with structural issues are accepted by specialist lenders - at slightly higher rates reflecting the additional security risk.
Title and Legal Position
BMV purchases often come with title complications - incomplete probate, missing deeds, tenants in situ, or restrictive covenants. Specialist bridging lenders are experienced with these and can lend on a pre-condition basis while issues are resolved.
Exit Strategy
The exit is the most important factor for any bridging lender. A clear exit - sale of the property after refurbishment, refinance onto a BTL mortgage, or sale of another asset - determines both lender appetite and rate. We advise on the most credible exit before approaching lenders.
Discount to Market Value
The deeper the discount, the stronger the case for a bridging lender. A property bought at 70% of market value gives the lender strong security relative to the loan. This can unlock higher LTVs or lower rates than a purchase at full market value.
Speed Required
A seller requiring exchange within a week needs a lender who can turn around an indicative offer within hours and a formal offer within 48 hours. We work with lenders who have desktop valuation capability for straightforward properties - removing the main bottleneck.
Regulated Advice Position
Where the BMV purchase is a vendor's main residence (not investment property), the transaction may engage regulated bridging rules. We identify this at the outset and route to the appropriate regulated product if required.
How we complete your BMV purchase fast
Same-day indicative terms
Share the property, purchase price, market value estimate, and your proposed exit. We return indicative terms the same day - often within hours - so you can confirm the deal with the seller.
Valuation fast-tracked
We instruct the valuation immediately - desktop valuation where the lender accepts it, physical RICS valuation for higher-value or more complex properties. Valuation is typically the longest lead item; we start it immediately.
Legal process managed
We co-ordinate lender solicitors and your solicitor to run the legal process in parallel with underwriting - not sequentially. This removes the most common source of delay in bridging completions.
Drawdown on your schedule
Funds are available for drawdown when the seller is ready to complete. We do not create delays on the lending side. Our fastest completions have been within 5 working days of instruction.
Fast bridging for below-market-value deals
Completion in days, not months - same-day indicative terms, a formal offer within 48 hours, and drawdown when the solicitors are ready.
Frequently asked questions
How quickly can you complete a BMV bridging purchase?
Our fastest completions are within 5 working days of instruction. A typical straightforward residential BMV purchase completes in 7-14 days. The timeline depends on the legal position, property type, and valuation method used.
Can you lend on uninhabitable or derelict properties?
Yes - specialist bridging lenders advance on uninhabitable properties at higher LTVs against the current value or GDV depending on the planned works. Standard BTL and residential mortgage lenders do not lend on uninhabitable property, making bridging the only option.
Do you lend on BMV purchases at auction?
Yes - auction purchases with 28-day completion are one of the most common applications for bridging finance. We pre-arrange bridging before auction day so you can bid with confidence. Drawdown occurs within the 28-day window.
What discount to market value do lenders require?
There is no minimum discount requirement - lenders lend against the market value, not the purchase price. A property bought at a discount gives the lender a larger equity cushion, which can improve terms. The discount itself is not the primary criterion.
Can bridging cover stamp duty and legal costs as well as the purchase price?
Some lenders include purchase costs within the facility. More commonly, the bridge covers the purchase price and the borrower funds the costs separately. We advise on the most cost-effective structure for your specific deal.
Explore related pages
BRRRR Property Finance
Recycle BMV purchase capital through the full BRRRR cycle.
Auction Finance
28-day completion bridging for auction purchases.
Property Flip Finance
Buy BMV, refurb and sell for profit.
Bridging Finance
All bridging products - residential and commercial.
BMV Buying Guide
How to find, finance and exit BMV property deals.
Development Finance
Larger BMV site acquisitions and development.
Ready to move fast on a BMV deal?
Send us the property, the purchase price, and your proposed exit. We come back the same working day - often within hours - with indicative terms so you can confirm the deal with the seller.