Beat the Stamp Duty Rush: Your Guide to a Seamless Bridge-to-Let Mortgage Before March 2025:
The Open Market Value (OMV) 90-Day Bridge-to-Let Mortgage Plan
The property market in the UK is facing a crunch as the March 2025 Stamp Duty deadline looms, creating a “stampede” among property buyers and investors to finalize transactions. If you’re a property buyer or landlord aiming to secure a Buy-to-Let (BTL) property, the ticking clock and competition can feel overwhelming.
But don’t worry—we’ve got the perfect solution for you! Our Open Market Value (OMV) 90-Day Bridge-to-Let Mortgage Plan offers a fast-track way to buy property, complete refurbishment, and refinance into a competitive BTL mortgage. Best of all, this streamlined process ensures you don’t miss the deadline or lose out on potential savings.
Let’s dive into the details to show how this works and why it’s perfect for you, whether you’re just starting or expanding your property portfolio.
Why the Stamp Duty Deadline Matters
The government has announced a significant change to Stamp Duty rates, set to take effect in March 2025. For many buyers, this means higher costs if transactions aren’t completed by the deadline. With thousands rushing to complete purchases, delays in financing, legal processes, and remortgaging can jeopardize your ability to close deals on time.
What Does This Mean for Property Investors?
- Tighter Timelines: Traditional remortgaging takes months, often requiring six months of ownership before you can refinance at full market value. This is far too slow for buyers racing against the deadline.
- Increased Costs: Missing the deadline could result in tens of thousands of pounds in additional Stamp Duty payments.
- Fierce Competition: The property market will be flooded with buyers trying to complete their transactions, potentially causing delays in surveys, valuations, and legal processes.
Our Solution: OMV 90-Day Bridge-to-Let
Our innovative Bridge-to-Let (BTL) Mortgage Plan is tailored for property buyers who need to move quickly and confidently. Here’s how it works:
Stage 1: Bridging Loan
- Based on the Open Market Value (OMV), the bridging loan can cover up to 100% of the purchase price and 100% of refurbishment costs. Dependant on the increased value of the refurbished property.
- The bridging loan is offered at a competitive 1.25% per month, with a 2% arrangement fee.
- Designed to close deals quickly, allowing you to secure your property without delay.
Stage 2: Transition to Buy-to-Let Mortgage
- On the 90th day of the bridge loan term, you can seamlessly convert to a Buy-to-Let (BTL) mortgage.
- Refinancing is done at full market value, meaning no waiting for six months of ownership or title updates.
- Enjoy a fixed interest rate of 6.39% per annum for five years (interest-only payments).
This strategy ensures that your property is financed and your investment secure before the Stamp Duty deadline.
Who Is This For?
Our OMV 90-Day Bridge-to-Let Mortgage is ideal for:
- First-Time Property Investors: Those looking to enter the Buy-to-Let market with minimal hassle.
- Experienced Landlords: Expanding portfolios without tying up capital.
- Buyers of Single or Multi-Block Units: Residential properties of varying sizes are acceptable under this plan.
- Investors Seeking Speed: Anyone who needs a quick and reliable financing solution to meet the Stamp Duty deadline.
Case Study 1: First-Time Investor Avoids Stamp Duty Costs
The Challenge:
Emma, a 35-year-old first-time investor, found a £200,000 property in Manchester with strong rental potential. However, she needed to complete the purchase and refurbishments before March 2025 to avoid higher Stamp Duty fees. Traditional remortgaging options required a six-month wait before refinancing, which was too slow.
The Solution:
Emma secured a bridging loan with us, borrowing £200,000 for the purchase and an additional £20,000 for refurbishments. Within 90 days, she transitioned to a BTL mortgage at 6.39% p.a. on the property’s full market value of £250,000.
The Result:
Emma avoided additional Stamp Duty costs, completed her refurbishments, and secured a steady rental income—all before the March 2025 deadline.
Case Study 2: Expanding a Portfolio Without Delays
The Challenge:
John, a seasoned landlord in his 50s, wanted to buy a multi-unit block in Birmingham for £1 million. With his capital tied up in other properties, he needed 100% financing for both the purchase and refurbishment.
The Solution:
John used our OMV-based bridging loan to cover the full purchase price and refurbishment costs. On the 90th day, he transitioned to a BTL mortgage, leveraging the property’s increased market value post-refurbishment.
The Result:
John expanded his portfolio without tying up his own funds, increasing his rental income while staying ahead of the Stamp Duty deadline.
Why Choose Our Bridge-to-Let Solution?
- Speed: Complete your purchase and refinance in just 90 days.
- Flexibility: Loans up to £5 million, suitable for single or multi-block residential units.
- Peace of Mind: Your BTL mortgage is secured from day one, reducing uncertainty.
- No Six-Month Waiting Period: Refinance at full market value without delays.
- Competitive Rates: Bridging loan at 1.25% p/m and a fixed 6.39% p.a. for the BTL mortgage.
Frequently Asked Questions
1. What is the maximum loan amount?
Loans are available up to £5,000,000. The maximum loan amount is dictated by the rental income of the property.
2. What properties qualify?
This solution is for residential properties only, including single and multi-block units.
3. What are the costs involved?
- Bridging loan: 1.25% per month, plus a 2% arrangement fee.
- BTL mortgage: 6.39% per annum fixed for five years (interest-only).
4. Can I exit the BTL mortgage early?
Yes, but early repayment fees will apply.
How to Get Started
With time running out before the Stamp Duty changes, the key is to act fast. Our expert team can guide you through every step, ensuring you secure the best deal for your property purchase and refinancing needs.
Contact us today to learn more about our OMV 90-Day Bridge-to-Let Mortgage. Don’t let the March 2025 deadline stop you from building your dream property portfolio!
Conclusion
Navigating the property market ahead of the Stamp Duty changes doesn’t have to be stressful. With our OMV 90-Day Bridge-to-Let solution, you can complete purchases, renovations, and refinancing quickly and confidently.
Secure your future in the Buy-to-Let market—without breaking a sweat.
I hope this article provides valuable insights for your property investment journey! If you have any questions or need further assistance, feel free contact us.
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