Fewer lenders, a lower loan or extra conditions. The loan that fits: Purchase bridge, as this is a home that can be let or sold as it is. The things to check above are what a lender will look at too.
- Likely loan
- Up to 70% of the priceOn the purchase price
- On the expected hammer
- Ask for termsThe guide plus 15%
- Example rate
- 0.75% to 0.95% a monthArrangement fee about 2%
In its favour
- Inside the M25 (Epsom and Ewell): the area lenders know best
- Sold vacant
If you let it
Typical rent about £1,363 a month.
ONS average for a flat in Epsom and Ewell, Sept 2026. Refinance test: rent covers the interest 125% at a 5.5% stress rate, as lenders test a limited company; personal borrowers are often tested harder.
Information a lender will need first
- The floor area (an EPC or a floorplan)
- The guide price
What a lender will ask you for on a purchase bridge
- Photo ID and proof of address
- Proof of your deposit and where it came from
- The legal pack, read by your solicitor before you bid
- Your exit plan: sale or refinance, with evidence (comparables, or a mortgage in principle)
- The lease, with the ground rent and service charge
- A valuation, which the lender instructs
We have access to lending of up to 75% of the purchase price, with up to 100% of the build cost. Tell us about the lot and we can put you in touch. Ratings and figures are a guide from the published facts, not an offer of finance or advice. Surroundings from OpenStreetMap (© OpenStreetMap contributors); stations from NaPTAN.