Genuine below-market-value purchases exist: motivated vendors, probate sales, auction lots, properties with curable defects. We fund them at bridging speed. What makes a BMV deal fundable is that the discount has a reason you can say out loud — and we will ask.
What counts as a genuine BMV purchase
- A vendor choosing speed and certainty over price — relocation, chain collapse, financial pressure
- Probate and estate sales where executors value a clean completion
- Auction purchases below guide
- Property discounted for a defect you intend to cure — see unmortgageable property
How we lend on BMV deals
We instruct an independent valuation and lend against it with the purchase price in full view. Where the price is genuinely below the valuation, that strengthens the deal — your equity is real from day one and the exit has margin built in. What we need from you is the story: why is it cheap, evidenced. A discount with a documented reason underwrites quickly; a discount nobody can explain does not.
What we won’t fund — and why that protects you
We do not fund sub-sales where the vendor on the contract is not the registered owner, hidden incentives or side agreements that make the real price different from the stated one, or “no money down” structures built on inflated valuations. These are the patterns behind most BMV fraud, and lenders who fund them casually are the ones who collapse mid-completion. Working with a lender that checks properly means your genuine deal completes — on time, with no surprises at the legal stage.
Frequently asked questions
Can I borrow against the property’s value rather than the purchase price?
Day one, lending is anchored to the purchase price and the independent valuation together — a genuine discount means you’re borrowing a smaller share of true value, which helps your terms. The uplift is typically realised at exit, when you refinance or sell at full value.
Why do lenders ask why a property is cheap?
Because unexplained discounts are the signature of BMV fraud — sub-sales, hidden incentives, inflated valuations. A documented reason (probate, speed, defect) makes a deal stronger, not weaker, and completes faster.
Do you fund no-money-down BMV strategies?
No. Structures that rely on hidden incentives or inflated valuations put buyers and lenders at legal risk. Genuine BMV purchases with real equity complete quickly — that’s what this product is for.
Fund the deal
Send the property, the price, the valuation expectation and the reason for the discount. Same-day answer.