Securing a property in London often requires a 10–30% deposit upfront. For many buyers, especially those purchasing before selling their existing home or investing in multiple properties, raising this capital quickly can be challenging. A loan to cover the deposit on a new house provides short-term funding that bridges the gap until long-term finance or sale proceeds are available.
This approach ensures buyers don’t miss out on opportunities due to liquidity issues.
Buying Before Selling – Securing your next home before releasing equity from your current property.
Auction Purchases – Paying the 10% deposit immediately at the fall of the hammer.
New-Build Deadlines – Meeting developer deposit schedules for off-plan or under-construction properties.
Portfolio Expansion – Landlords acquiring multiple properties without waiting on refinance.
Cash Flow Gaps – Covering deposit requirements while mortgage approval is still processing.
Short-term secured finance arranged within days.
Ideal for deposits in auctions, chain breaks, or urgent completions.
Repaid once long-term mortgage or sale funds are available.
Release equity from your current home by converting to a buy-to-let mortgage.
Funds can then be used for the deposit on your next purchase.
For investors purchasing properties that need works before refinancing.
Deposit loans structured as part of a wider funding package.
Speed – Enables buyers to secure property without waiting for equity or mortgage funds.
Flexibility – Suitable for residential and investment purchases.
Confidence – Strengthens your position with sellers and developers.
Higher Costs – Short-term finance carries higher monthly interest (typically 0.5%–1.2%).
Secured Lending – Usually requires collateral, such as your existing property.
Exit Strategy Needed – Repayment relies on mortgage approval or sale proceeds.
At Fraser Bond, we support buyers and investors who need deposit loans to complete property purchases:
Independent Guidance – Identifying the most suitable loan structure.
Trusted Lender Access – Connecting clients with short-term finance providers.
Application Support – Packaging cases for rapid approval.
Exit Strategy Planning – Ensuring repayment via sale or refinance.
Buyer Advisory – Helping clients secure homes and investments without delay.
If you need a loan to cover a deposit on a new house, explore tailored solutions at FraserBond.com.
