Are you a first-time buyer, property developer, or investor facing a tight deadline? When time is critical, standard mortgage lenders simply can’t move fast enough. You need speed, certainty — and ideally, no valuation delays.
At Sunrise Commercial Finance, we offer a powerful solution:
Urgent No Valuation Bridging Loans – funds can be in your account in as little as 2 working days.
Designed for serious buyers and developers who can’t afford to miss an opportunity, these loans remove the biggest time barrier of all — the property valuation. That means you can complete deals at lightning speed, with up to 75% LTV.
What Is a No Valuation Bridging Loan?
A no valuation bridging loan is a short-term finance solution that doesn’t require a full RICS property valuation. Instead, lenders assess the deal using their own internal team and the property’s 180-day Market Value.
This eliminates valuation scheduling and reporting delays — often shaving off 7–10 working days from the timeline. If you’ve ever waited helplessly for a surveyor report while a deal slips away, you’ll understand how valuable that is.
Perfect for:
- Auction purchases with 28-day deadlines
- Off-market property deals where you must act first
- Refinancing before term expiry or repossession
- Bridging funds for your next property development
- Raising capital for a time-sensitive investment
Key Product Features
- Completion Time: 2–10 working days
- Loan Sizes: £200,000 – £3,000,000 (net)
- LTVs:
- 75% (Purchase)
- 70% (Refinance)
- 65% (Semi-commercial)
- 50% (Commercial)
- Assessment: OMV on 180-day basis
- Properties: Residential investment, commercial, and mixed-use
- Geography: England and Wales
- Term Length: 12–24 months
- Security: First charge only
- Interest Basis: Retained
- Legal Process: Integrated dual-firm system for speed
- Borrower Types: Individuals and corporate entities
- Residency: UK and overseas borrowers accepted
- Eligibility: Clean credit only; no politically exposed persons (PEPs)
Case Study: How We Helped a Developer Complete in 5 Days
Client: First-time developer in Manchester
Challenge: Needed to complete an auction property purchase within 7 days
Property: £600,000 Victorian conversion
Problem: Traditional bridging lenders needed a valuation, pushing timelines beyond auction deadline
Solution: Sunrise arranged a no-valuation bridging loan at 70% LTV
Result: Funds released on Day 5 – deal saved, client secured the property, and raised additional capital for the refurb
Frequently Asked Questions
1. Can I get a no valuation bridging loan with bad credit?
This product is designed for clean credit borrowers only. However, we have other solutions for clients with past credit issues — reach out to discuss your situation.
2. What is a 180-day OMV?
Lenders assess the property’s value based on what it could reasonably sell for in 180 days — a fairer and more realistic valuation metric for urgent transactions.
3. Are these loans available for foreign nationals?
Yes. Both UK and non-UK residents are eligible, provided they meet other criteria such as clean credit and appropriate ID checks.
4. Do I need to own the property already?
No. These loans are available for both purchases and refinances. You can also raise capital secured on an existing property.
5. What types of property are eligible?
The product supports:
- Buy-to-let residential
- Semi-commercial (e.g. shops with flats above)
- Commercial (offices, retail units, etc.)
All properties must be in England or Wales and acceptable as security under lender criteria.
Why Use Sunrise Commercial Finance?
We’re not just another broker. At Sunrise, we specialise in urgent funding and work with a curated panel of fast, flexible lenders who understand the pressure of property transactions. We speak your language, anticipate your needs, and move fast — so you never lose a deal.
Take Action Today – Beat the Clock
Deals don’t wait. Whether you’re a first-time investor or an experienced developer, if you need urgent finance without the valuation hassle, this product is your secret weapon.
Enquire now at Sunrise Commercial Finance
Or call us directly to speak with an expert who’ll move fast — just like your deal needs.
For more information contact us for a fees free chat.
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📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
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