Sell Your BTL Portfolio at Full Value

Buy-to-Let Exit Bridging

Section 24, rising mortgage rates, EPC tightening, and renters'-reform legislation have pushed many UK landlords towards portfolio exit. BTL exit bridging is the financial bridge between deciding to sell and the sale proceeds landing — settling existing buy-to-let mortgages, managing capital gains tax timing across the tax year, and giving you the room to sell at full value rather than at fire-sale discount.

Rated 4.8/5 by property professionals · From 0.37% pm · 250+ lender panel · No upfront fees

£250k – £10m

Loan Size

6 – 18 months

Typical Term

Up to 70% LTV

Typical LTV

Key Features

What We Offer

Single property or full portfolio

Property-by-property bridges for 1–3 unit landlords; cross-collateralised portfolio facilities for 5+ units with property-by-property redemption as sales complete.

Settle high-rate BTL mortgages

Clear product-rate-shocked mortgages while you sell over 6–18 months. Interest savings often exceed bridging costs over the term.

Tenanted properties accepted

We lend against vacant-possession value with tenants in place for the bridge term. Vacant ones price slightly tighter; the structure handles both.

CGT-year planning

Bridge across April 5th to split disposals across tax years. Time-defined facilities give your accountant and conveyancer the breathing room.

No early repayment charges

Sale proceeds redeem the bridge property-by-property. Portfolio facility reduces as units sell — you only pay interest on the outstanding balance.

Refinance exit also possible

Change of mind? Exit by refinance to a fresh BTL product if rates drop. The bridge is property-secured; the exit can be sale or refinance.

Ideal For

Common Scenarios

Single landlord exiting 1–3 units

Property-by-property bridges, simple structure. Each property independently financed and redeemed; no cross-collateral complexity.

Larger portfolio landlords (10+ units)

Portfolio facility, shared security across the lot, draw against any unit. Streamlines what would otherwise be 10+ separate bridges.

Mortgage rate-shock landlords

Bridge to clear high-rate BTL mortgages and sell over 6–12 months. Carry cost on bridge often less than the SVR/product-rate increase you're escaping.

Inheritance or trust disposals

Bridge while estate or trust matters complete. Lets you avoid forced sale during a 6–9 month probate window.

CGT-year planning

Time-defined bridge to flip a disposal into the next tax year. Pair with your accountant's plan; we lend against the property, not the tax outcome.

What We Fund

BTL Exit Use Cases

•Single-property BTL exit — bridge the sale proceeds while you complete the marketing
•Portfolio exit — facility across multiple properties, drawn down as needed
•CGT timing arbitrage — bridge across April 5th to split disposals across tax years
•Tenanted-vs-vacant value gap — fund vacant-possession refurb between tenant exit and sale
•Settle high-rate BTL mortgages — pay off product-rate-shocked mortgages while sale completes (savings often exceed bridging costs)

How It Works

From Portfolio Scoping to Sale

Portfolio scoping call

Number of units, locations, mortgage status, exit timeline. Understanding the portfolio shape determines whether we go property-by-property or portfolio facility.

Indicative terms

Same day. We lend against vacant-possession value across the portfolio.

Valuations

Desktop or full RICS depending on lender; usually a mix across the portfolio. Streamlined for repeat property types.

Legal pack

Title checks across the portfolio, existing mortgage redemption statements, AST review for tenanted properties.

Drawdown

Single completion or staged across portfolio depending on the structure agreed.

Repayment

Sale proceeds redeem the bridge property-by-property. Portfolio facility reduces as units sell. No ERCs.

Loan Parameters

Headline Numbers

Loan size

£250,000 – £10m total facility

LTV

Up to 70% on vacant-possession value

Term

6 – 18 months

Rates

From 0.40% pcm

Charges

1st and 2nd; portfolio cross-collateral available

Tenanted

Accepted; vacant ones price slightly tighter

Common Questions

BTL Exit Bridging FAQ

Will you lend against tenanted BTL properties?

Yes — tenanted properties are normal for BTL exit bridging. We lend against vacant-possession value (typically 5–15% lower than tenanted-investment value) but accept the tenants in place for the bridge term. The exit assumes vacant possession at sale.

Can a single facility cover my whole portfolio?

Yes — for portfolios of 5+ units we can put in a portfolio facility cross-collateralised against the lot, with drawdowns and redemptions property-by-property as the sale progresses. Simpler than 10 separate bridges.

How does this help with CGT planning?

If you're disposing close to April 5th, the bridge lets you control completion timing rather than the buyer dictating. We can structure the bridge to mature across two tax years, splitting the gain. Always seek tax advice — we lend against the property, not the tax outcome.

What happens if a sale falls through?

The bridge term covers it — typical 6–18 month facilities give plenty of room to remarket. We'd rather extend a viable bridge than force a fire-sale; talk to us 60 days before term-end if a sale slips.

Can I refinance to a long-term BTL mortgage instead of selling?

Yes — exit by refinance to a fresh BTL product is a common alternative if rates drop and you change your mind about exiting. The bridge is property-secured, the exit can be sale OR refinance.