Below Market Value (BMV) Bridging Loans
Bridging Finance — Below Market Value
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.
Genuine discounts
What counts as a genuine BMV purchase.
A discount with a documented reason underwrites quickly; a discount nobody can explain does not.
- 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
The Discount Needs A Reason
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.
Underwriting discipline
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.
Common questions