No valuation bridging loans without waiting for a full inspection
A no valuation bridging loan is short-term property finance where the lender skips the full physical RICS inspection. It values the property with an AVM, a desktop valuation or its own internal assessment instead. You save the wait for a surveyor and most of the upfront valuation cost.
Rates from 0.55% a month, up to 75% LTV, with clean cases completing in as little as 3 to 7 days. Well suited to auction purchases.
On this page
The short version
- The lender values the property with an AVM, a desktop valuation or an internal assessment instead of a surveyor visit.
- Rates from 0.55% a month, up to 75% LTV, from £26,000 to £10 million over 3 to 24 months.
- Clean cases can complete in 3 to 7 days, which makes it a strong fit for auction purchases.
- It works best on standard houses and flats at low to mid LTV, with a clear exit.
- Limited companies, SPVs and many adverse credit cases are considered.
- It's still fully underwritten. The property, the leverage and your exit are all checked.
What is a no valuation bridging loan?
A no valuation bridging loan is a short-term loan secured on property where the lender doesn't commission a full physical inspection valuation. It uses an automated valuation (AVM), a desktop valuation or its own internal assessment instead. The result is a faster completion and a lower upfront cost.
On a standard bridge, the valuation is often the slowest step. A surveyor has to be booked, visit the property and write a report, and you pay for it upfront whether or not the loan goes ahead.
A no valuation route takes that step out. The lender gets comfortable with the value from data and evidence instead, and the legal work can start straight away.
| No valuation route | Full RICS inspection | |
|---|---|---|
| Surveyor visit | None | Required |
| How value is set | AVM data, a desktop report or the lender's own assessment | A surveyor's inspection and full report |
| Upfront valuation cost | Lower, sometimes nil | Paid before the offer |
| Speed | Clean cases in 3 to 7 days | Waits on the surveyor's diary and report |
| Best for | Standard property, auctions, urgent refinances | Unusual property, heavy works, higher risk cases |
Lenders still check the security, the evidence behind the value and your exit. They just get there without a full inspection report. Straightforward residential property fits best. Specialist assets may need commercial no valuation bridging or a full valuation.
AVM, desktop and internal valuation: the three routes
All three avoid a site visit. They differ in who, or what, decides the value. The simpler the property, the lighter the route a lender will accept.
AVM (automated valuation)
Software values the property from sales data, comparables and property records. No surveyor is involved. It's the quickest route, often same day, and suits standard houses and flats where there's plenty of local sales evidence.
Fastest. Standard residentialDesktop valuation
A qualified surveyor values the property remotely from comparables, listing photos, floor plans and market data, without visiting. It carries more weight than an AVM, so lenders use it where some judgement is needed.
Surveyor-led, no visitInternal assessment
The lender's own underwriting team sets the value from comparable evidence, the purchase price and its own data. It suits low-LTV cases where the lender is already comfortable with the asset.
Lender-led, low LTVWhich route you get depends on the property, the LTV and the lender. We tell you which is realistic at the same-day feasibility check. More detail: AVM bridging loans and desktop valuation bridging.
Can I qualify for a no valuation bridging loan?
Lenders look at four things: the property type, the leverage, you and the exit. Standard property at a sensible LTV with a clear exit is the sweet spot.
Usually considered
- Standard houses and flats
- Limited companies and SPVs
- Auction purchases
- Lower to mid-LTV refinances
- Simple titles
- Many adverse credit cases
More lender-specific
- Heavy refurbishment
- Highly unusual property
- Complex titles
- Specialist commercial property
- Second charge cases
- Weaker or unproven exits
| Question | Typical answer | What helps |
|---|---|---|
| Limited company or SPV? | Yes | Company documents and directors ready |
| Bad credit? | Often yes | Lower LTV and a stronger exit |
| Auction purchase? | Yes | Legal pack and deposit ready |
| Standard residential property? | Often yes | Good comparable evidence |
| Commercial property? | Sometimes | May suit commercial no valuation bridging |
| Heavy refurbishment? | Case dependent | May need heavy refurbishment bridging |
What does a no valuation bridging loan cost?
Rates start from 0.55% a month. Most cases sit somewhere between 0.69% and 0.95%. Where you land depends on the LTV, your credit, how standard the property is, the valuation route and how strong your exit is.
Best-priced cases
Low LTV, clean credit, a straightforward residential property and a strong refinance or sale.
0.55% to 0.69% pmTypical cases
Standard purchases, refinances and auction buys on an AVM, desktop or internal route.
0.69% to 0.95% pmHigher-risk or complex
Bad credit, specialist property, second charge or a less straightforward exit.
0.95% to 1.20% pm and above| Term | Range | What it means |
|---|---|---|
| LTV | Up to 75% | Higher leverage usually means a higher rate and closer scrutiny of the exit |
| Loan size | £26,000 to £10m | Larger loans available on some cases |
| Term | 3 to 24 months | Match it to your refinance, sale or stabilisation timeline |
| Interest | Retained, rolled or serviced | Retained reduces your day-one advance. Serviced means monthly payments |
| Arrangement fee | From 1%, typically 1.5% to 2% | Added to the loan or deducted on completion |
| Other costs | Legal and admin fees | Valuation costs are usually lower than on a full inspection route |
| Broker fee | None upfront | We're paid by the lender on completion, disclosed before you proceed |
See your own figures
Enter the value, the LTV and the term. You'll see the loan, the interest and your day-one advance in about a minute.
How fast can a no valuation bridging loan complete?
Clean, straightforward cases can complete in 3 to 7 days. The biggest saving is not waiting for a full inspection report. After that, speed comes down to how quickly solicitors move and how ready your documents are.
Feasibility
We confirm whether the case works, the likely leverage and the most realistic lender and valuation route.
Indicative terms
Rate, interest type, valuation route and key conditions, in writing.
Valuation route, legals and underwriting
The AVM, desktop or internal valuation runs alongside the legal work, without waiting for a surveyor.
Completion
Clean cases with quick responses complete fastest. Complex cases still need longer for underwriting and legal sign-off.
No valuation bridging for auction purchases
Auctions usually give you 28 days to complete, and the clock starts when the hammer falls. Waiting for a surveyor eats into that. A no valuation route lets the lender move straight to legals, so the deadline is realistic.
Send us the lot details and the legal pack. We'll confirm the same day whether a no valuation route is likely and how much you could borrow, so you bid knowing your finance works. See auction bridging loans.
What do you need to send?
Start with the basics for a same-day feasibility check. We only ask for the full pack once we know the case works.
For a feasibility check
- Name, phone, email and property postcode
- Property value and what the loan is for
- Loan amount, term and exit
- Company details, if applicable
- Your credit profile
For purchases and auctions
Purchase price, your deposit, the legal pack or sales memo, and your target completion date.
For refinances
Your existing debt, the property background, your refinance plan and any mortgage agreement in principle.
Ready to go?
Use the calculator to send your details, or WhatsApp us. Live cases get a call back, usually within 15 minutes in working hours.
No valuation bridging loan FAQs
What is a no valuation bridging loan?
A short-term property loan where the lender doesn't need a full physical inspection valuation. It uses an AVM, a desktop valuation or its own internal assessment instead, which makes the loan faster and cheaper upfront. The case is still fully underwritten.
How fast can a no valuation bridging loan complete?
Clean, straightforward cases can complete in 3 to 7 days. Feasibility is confirmed the same day and indicative terms often within 24 hours. After that, the speed of the solicitors and how ready your documents are make the biggest difference.
What LTV can I get on a no valuation bridging loan?
Up to 75% on qualifying cases, depending on the lender, the property and your exit. Lower LTVs get the best rates and the widest choice of valuation routes.
What rates should I expect?
From 0.55% a month on the best cases. Most standard purchases, refinances and auction buys price between 0.69% and 0.95%. Bad credit, specialist property or a weaker exit usually price from 0.95% to 1.20% a month and above.
Can I use a no valuation bridging loan for an auction purchase?
Yes, it's one of the most common uses. Auctions usually give you 28 days to complete, and skipping the surveyor visit makes that realistic. Send us the legal pack before you bid and we'll confirm the same day whether it works.
What properties work best without a valuation?
Standard houses and flats with simple titles and good local sales evidence, at low to mid LTV. Heavy refurbishments, unusual property, complex titles and specialist commercial property usually need a different route or a full valuation.
What are the main costs and fees?
Monthly interest from 0.55%, an arrangement fee from 1% and typically 1.5% to 2%, plus legal and admin fees. Valuation costs are usually lower than on a full inspection route. We don't charge an upfront broker fee.
Can I get a no valuation bridging loan with bad credit?
Often, yes. Many lenders are asset-led and will consider CCJs, defaults and other adverse credit. A lower LTV and a strong exit help, and these cases usually price from 0.95% a month. See bad credit bridging loans.
What's the difference between AVM, desktop and internal valuation?
An AVM is an automated valuation from sales data, with no surveyor. A desktop valuation is done by a surveyor remotely, without visiting. An internal assessment is done by the lender's own team from comparables and its own data. All three avoid a site visit. AVM is usually quickest, and desktop carries the most weight.
Can I apply through a limited company or SPV?
Yes, it's one of the most common structures. Directors usually need to give personal guarantees.
Can I still use it to refinance?
Yes. Lower to mid-LTV refinances on standard property are a good fit. Send your existing debt, the property background and your refinance plan, and we'll check the route the same day. See refinance bridging loans.
Is Aura Capital whole-of-market?
Yes. Aura Capital is an independent, privately owned brokerage with whole-of-market access, not tied to a mortgage network.
Who wrote this page
Harry Baker
Harry holds an MSc in Real Estate & Finance from the University of Reading. He arranges no valuation, auction and refinance bridging for property investors across England, Wales and Scotland.
- Team transacted
- £500m+
- Lender panel
- 50+
How we compiled the figures
Rates, LTVs, loan sizes and fees reflect cases placed through our lender panel and are reviewed monthly. Every case is priced individually by the lender.
Related bridging products
Each product page has its own criteria and rates.
Find out today if a no valuation route works
Send the property, the loan, the term and your exit. We'll confirm the same day whether an AVM, desktop or internal route is realistic, how much you could borrow and what it will cost. No upfront fees.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. All no valuation bridging applications are subject to underwriting, valuation route criteria and legal due diligence, and may not be available to all applicants. Figures are indicative, based on our lender panel in October 2026. Aura Capital is not a lender. Aura Capital is a trading name of Chammosair Limited, registered in England & Wales, company no. 15786496. Aura Capital is not authorised or regulated by the Financial Conduct Authority and does not arrange regulated loans or give financial advice. Regulated cases are referred to an authorised firm.