No Valuation Bridging Loans
A Guide to No Valuation Bridging Loans
No Valuation Bridging Finance
Acquisition Financing
Construction Financing
Bridge Financing
Rebridge Financing
About us
We specialise in No Valuation Bridging Loans, providing swift access to funding without the hold-ups of traditional valuations. Using AVMs, desktop valuations or internal valuations, we deliver efficient finance solutions for auction purchases, refurbishments, and or any situation where speed is essential.
What is a no valuation bridging loan?
No Valuation Bridging Loans, AVM Bridging Loans (Automated Valuation Model), and Desktop Valuation Bridging Loans are types of bridging finance that do not require a full property valuation during the loan application process.
These types of bridging loans are ideal for borrowers looking for quick access to funds for purposes such as property purchases, refurbishments, or short-term financial needs. However, eligibility criteria may vary depending on the lender and the specifics of the property and loan amount.
In a typical bridging loan application, lenders usually require an independent (RICS Redbook) property valuation to confirm the market value. This process can be both time-consuming and expensive, with average RICS Redbook valuations taking 5-7 working days and costs ranging from £600 to £5,000+, depending on the type of property and your plans.
By opting for a no valuation bridging loan, borrowers can benefit from:
Faster processing times – No valuations are approved on the same day they are submitted so you can avoid delays associated with traditional property valuations.
Lower costs – Save on expensive valuation fees.
Simplified application process – Reduce the administrative burden and paperwork.
Want to learn more? Get in touch with our expert team today to explore your options.
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Secure no valuation bridging finance with up to 85% loan-to-value (LTV) and competitive interest rates starting from just 0.55% on larger transactions.
Our fast and flexible bridging loan solutions provide a hassle-free way to access the funds you need—without the delays of property valuations.
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Our no valuation bridging loans can be completed in as little as 48 hours, with most transactions completing within 10 working days.
By eliminating the need for a property valuation, the credit and underwriting processes are significantly accelerated. This makes no valuation bridging finance an ideal solution for those who need fast access to funds, whether it's for securing a property purchase, refinancing, or meeting your urgent financial needs!
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To secure the best no valuation bridging loan, it’s crucial to compare lenders based on key factors such as interest rates, loan terms, fees, and reputation.
Equally important is understanding each lender’s appetite for lending on your specific deal to avoid wasting time and money on deals that are unlikely to proceed.
For expert advice, contact a market-leading broker who can help you navigate your options and secure the most suitable bridging finance solution tailored to your unique needs.
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Some lenders use AVMs (Automated Valuation Model), also known as an online valuation, which estimates the property's value using statistical models and data analysis without a physical inspection.
Websites like Zoopla’s My Home and Rightmove’s Automated Valuation Model (AVM) provide helpful estimates of a property’s potential value. While these AVMs offer a good indication, it’s important to note that most lenders using AVMs typically look for a confidence level of around 4-5 to make lending decisions.
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Yes, you can obtain a no valuation bridging loan quote. To get an accurate quote, it's best to speak with a specialist broker who can assess your specific financial needs, the property details, and the type of deal you are looking to complete.
Since no property valuation is required, the process is quicker, but the loan terms will still depend on factors like loan amount, loan-to-value (LTV), your credit history and the lender’s criteria for your situation.
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Faster processing.
Lower upfront costs.
Uses AVMs or skips valuation.
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Limited to certain property types and borrowers.
Potentially higher interest rates due to increased risk for the lender.
Reduced product range compared to full valuation products.
FAQ
No Valuation Bridging Loans: Key Considerations
Top Tips
Prepare Early: Ensure both the property and borrower profile meet the lender’s eligibility criteria before applying. No valuation products typically don't offer product transfer options, so accuracy from the outset is critical.
Use a Specialist Broker: A broker experienced in no valuation bridging finance can source competitive rates, align terms with your needs, and identify lenders open to your profile.
Understand the Trade-Off: While these loans can offer quicker completions and reduced upfront costs, they may come with higher interest rates—balance speed against cost.
Common Mistakes to Avoid
Lack of Transparency: Avoid brokers or lenders who fail to disclose the full fee structure. All terms should be clearly outlined and documented.
Poor Lender Choice: Work with a reputable broker who can help you avoid undercapitalised lenders or those with a poor track record.
Rushing Into Agreements: Carefully review loan documents. Confirm that rates, fees, and terms match both the offer and market standards.
Funding Risk: Ensure the lender is fully funded. Be cautious with peer-to-peer platforms that may delay drawdown due to ongoing capital raising.
Criteria Mismatch: Some lenders assess eligibility only late in the process. Have your broker confirm you meet the lender’s criteria early to prevent delays or cancellation fees.
How to Apply
Step 1 – Contact Us
Speak to our team to understand whether a no valuation bridging loan suits your circumstances.Step 2 – Get a Quote
Submit your case for a no-obligation quote. We’ll assess the details and provide a tailored lending solution.Step 3 – Expert Guidance
We source market-leading terms from our panel of lenders and investors, guiding you every step of the way.Step 4 – End-to-End Processing
From underwriting to legal completion, we manage the process to ensure a smooth and efficient drawdown.
What is a bridging loan?
Bridging Loans (Bridge Finance): Fast, Flexible Short-Term Funding
A bridging loan is a short-term finance solution designed to ‘bridge the gap’ when immediate capital is needed but not yet available. Commonly used in property and business transactions, these loans provide speed and flexibility in time-sensitive scenarios.
Typical uses include:
Property Purchase Before Sale – Secure a new property before your current one is sold.
Non-UK Residents – Acquire UK property without a credit footprint or trading history.
Auction Purchases – Meet tight auction deadlines with fast-access funding.
Refurbishment Projects – Fund light or heavy works ahead of a refinance or sale.
Business Cash Flow – Support working capital needs during transitions or delays.
Bridging loans are usually secured against property and repaid within 6–24 months, either through sale, refinance, or another liquidity event. They are suitable for both individuals and businesses needing fast, short-term funding.
Want to Learn More?
Explore our Case Studies and Product Guides to see how bridging finance could work for you.
Our Team's Track Record.
Aura Capital is a leading supplier of Bridging Loans and No valuation Bridging Loans. Over the past 5 years, our team has successfully transacted approximately £500 million in bridging and development finance underwriting. Additionally, we have transacted on around £100 million in private equity investments and provided specialist finance advisory services amounting to approximately £40 million.
Whether you need bridging finance for residential investments, HMOs, refurbishments, or development exits, or if you require development finance for housing or commercial projects, our expertise ensures we connect you with the most suitable lender.
Our extensive track record underscores our proficiency in diverse financial landscapes, ensuring we meet your unique requirements and provide optimal financing solutions.