{"id":191,"date":"2025-08-31T19:34:50","date_gmt":"2025-08-31T19:34:50","guid":{"rendered":"https:\/\/blog.ponte.finance\/?p=191"},"modified":"2025-09-01T10:46:58","modified_gmt":"2025-09-01T10:46:58","slug":"loan%e2%80%91to%e2%80%91value-ratios-how-deposits-shape-your-bridging-finance","status":"publish","type":"post","link":"https:\/\/ponte.finance\/blog\/loan%e2%80%91to%e2%80%91value-ratios-how-deposits-shape-your-bridging-finance\/","title":{"rendered":"Loan\u2011to\u2011Value Ratios: How Deposits Shape Your Bridging Finance"},"content":{"rendered":"<p data-start=\"5044\" data-end=\"5491\">A common question when arranging bridging finance is whether a deposit is required. Market Financial Solutions notes that a bridging loan is usually secured against property and may require the borrower to contribute a <strong data-start=\"5264\" data-end=\"5284\">property deposit<\/strong> to reduce the loan\u2011to\u2011value ratio. Many lenders will fund up to <strong data-start=\"5350\" data-end=\"5362\">75\u00a0% LTV<\/strong>, so a borrower may need to provide about <strong data-start=\"5404\" data-end=\"5412\">25\u00a0%<\/strong> of the property\u2019s value as a deposit.<\/p>\n<p data-start=\"5493\" data-end=\"5875\">Two different \u201cdeposits\u201d are involved. The first is a <strong data-start=\"5548\" data-end=\"5566\">commitment fee<\/strong> (sometimes called a deposit) that secures the loan terms during legal preparation; this fee is often refunded once funds are drawn. The second is the property deposit that lowers the LTV and therefore reduces the lender\u2019s risk.<\/p>\n<p data-start=\"5877\" data-end=\"6430\">Understanding LTV is crucial: it measures how much is being borrowed relative to the property\u2019s value. High LTVs above 80 % are considered riskier and attract higher rates, whereas lower LTVs around 60 % lead to cheaper.\u00a0Investors should therefore aim to provide a larger deposit where possible, as it will reduce the amount borrowed and may secure better terms. Professional brokers can help structure the deposit and advise on the optimal LTV for each project.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A common question when arranging bridging finance is whether a deposit is required. Market Financial Solutions notes that a bridging loan is usually secured against property and may require the borrower to contribute a property deposit to reduce the loan\u2011to\u2011value ratio. Many lenders will fund up to 75\u00a0% LTV, so a borrower may need to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":209,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-191","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bridging-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan\u2011to\u2011Value Ratios: How Deposits Shape Your Bridging Finance - Ponte Finance News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ponte.finance\/blog\/loan\u2011to\u2011value-ratios-how-deposits-shape-your-bridging-finance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan\u2011to\u2011Value Ratios: How Deposits Shape Your Bridging Finance - Ponte Finance News\" \/>\n<meta property=\"og:description\" content=\"A common question when arranging bridging finance is whether a deposit is required. Market Financial Solutions notes that a bridging loan is usually secured against property and may require the borrower to contribute a property deposit to reduce the loan\u2011to\u2011value ratio. 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