No Valuation Bridging
Fast Decisions, Lower Upfront Costs
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Our streamlined no valuation bridging products provide fast, flexible funding for time-sensitive transactions, including purchases, refinances refurbishments, and bridging the gap between buying a new property and selling an existing one.
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Contact one of our team below to see if you or your client are eligible for this product
Auction Bridging Loan Criteria
A Guide to No Valuation Bridging Loans
We specialise in No Valuation Bridging Loans, offering them wherever possible to reduce upfront costs and remove unnecessary delays, using AVMs, desktop valuations, or internal valuers to streamline the process.
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This enables us to deliver fast, efficient funding for auction purchases, refurbishments, re-bridges, and other time-sensitive transactions, allowing borrowers to proceed with confidence and clarity.
How does No Valuation Bridging work
Instead of a physical inspection, lenders may rely on one or a combination of the following valuation methods to determine a property’s value:
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By using alternative valuation approaches, lenders can significantly reduce upfront costs, remove unnecessary delays, and still obtain a reliable and accurate assessment of value. These methods are particularly effective for straightforward assets, time-sensitive transactions, and lower-risk lending scenarios.
No Valuation Bridging Loan Options:
Automated Valuation Models (AVMs):
AVM's or Automated Valuation Models are sophisticated data-driven computer programs that provide an estimated value based on recent sales of similar properties in the area, market trends, and other available data points.
Desktop Valuations:
A desktop valuation is a professional property valuation completed by a qualified surveyor without a site visit. It relies on trusted online data, recent comparable evidence, photographs, floor plans, and satellite imagery to provide a fast, cost-effective assessment of a property’s value.
Historic Valuations:
Where a recent valuation report (usually within the last 6-12 months although older is acceptable in certain circumstances) is available, it may be accepted through a remote valuation update, reassignment of the original report, or an updated valuation with reinspection.
Case Study 1: South London
Background of the deal:
The client required urgent bridging finance secured against a part single, part two-storey detached vehicle showroom. We completed using a no-valuation structure, meeting a tight 10-working-day deadline to fund an onward purchase following exchange of contracts.
0.89%
Per Month
10
Months
50%
LTV
£700k
Loan
What is a no valuation bridging loan?
A No Valuation Bridging Loan is a short-term property finance solution where the lender assess the value of a property without requiring a full physical inspection or a traditional RICS Red Book valuation at application stage.
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Instead of the lender commissioning a time-consuming and costly on-site valuation - which can add 5 or more working days to a transaction - the lender instead chooses to rely on Automated Valuation Models (AVMs), Desktop Valuations, Internal Assessments, or Recent Valuation Reports, where appropriate. This enables faster credit decisions, reduced upfront costs, and a more efficient application process, while maintaining robust and responsible underwriting standards.
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Depending on the application, the only information typically required from the borrower is basic property details, recent photographs and videos, and sometimes supporting market evidence.
Our Process
Simple. Fast. Straightforward.
Get a quote
Discuss your requirements with our team for a tailored quote, or apply online for a fast decision.
Submission
Following receipt of your application, we’ll request the necessary information to assess affordability and suitability for the product.
Once confirmed, we’ll approve your application and valuation type on the same day.
Legal & Valuation
Once valuations and legal requirements are complete, we’ll provide a formal offer for your review before funding your loan.
What Are the Benefits of a No Valuation Bridging Loan?
A No Valuation Bridging Loan allows the lender to assess the value of a property using alternative valuation methods that prioritise speed, cost efficiency, and accuracy, without compromising credit discipline or underwriting standards.
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Instead of relying solely on a full physical inspection and traditional RICS Red Book valuation, we use tools such as Automated Valuation Models (AVMs), desktop valuations, internal assessments, and recent valuation reports, where appropriate. These methods are particularly effective for standard properties, lower-risk transactions, and experienced borrowers with clear and credible exit strategies.
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Faster Completion Times
One of the key advantages of no valuation bridging finance is speed.
In a traditional bridging loan application, an independent RICS valuation is often required to confirm market value, market rent, and property condition. While appropriate in some cases, this process can take 5–7 working days or longer, potentially delaying completion.
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By removing the need for a physical valuation where possible, no valuation bridging loans can:
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Reduce transaction times by up to a full working week
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Support auction purchases with tight deadlines
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Enable faster re-bridges and refinances
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Keep time-sensitive transactions moving
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Lower Upfront Costs
Full RICS Red Book valuations can be expensive, with typical costs ranging from £600 to £5,000+, depending on the property type, size, location, and complexity.
A no valuation bridging loan can significantly reduce or eliminate these costs, helping borrowers:
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Minimise upfront professional fees
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Improve overall deal economics by reducing the overall cost of a bridging loan
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Avoid paying for unnecessary duplicate reports
This is particularly beneficial for short-term finance, where valuation costs can represent a disproportionate expense for small loan amounts.
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Reduced Red Tape and Simpler Process
No valuation bridging loans offer a simplified application process.
Rather than coordinating site access, inspections, and third-party reports, lenders can often proceed using:
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Property details
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Recent photographs and videos
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Comparable sales evidence
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Existing or updated valuation reports
This reduces administration, paperwork, and delays, allowing borrowers to focus on execution rather than process.
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Reliable and Accurate Underwriting
While faster and more cost-effective, no valuation bridging loans are not a compromise on accuracy.
Alternative valuation methods rely on:
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Verified market data
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Recent comparable transactions
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Professional judgement
Each case is assessed individually, ensuring the valuation approach remains appropriate to the asset, location, and risk profile.
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Ideal for Time-Sensitive and Low-Risk Transactions
No valuation bridging loans are especially well-suited to:
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Standard residential and commercial properties
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Lower loan-to-value scenarios
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Clear exits via sale or refinance
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Experienced borrowers and professional investors
For these transactions, a full valuation may add cost and delay without improving the quality of the lending decision.
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In Summary
The benefits of a no valuation bridging loan include faster completions, lower costs, reduced red tape, and efficient underwriting, making it an attractive option for borrowers who need speed and certainty without unnecessary complexity.
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Where the risk profile supports it, no valuation bridging finance offers a practical, commercially sound alternative to traditional valuation-led bridge lending.
Our Lending Approach
AF Credit is a specialist property lender providing fast, flexible short-term finance for residential, commercial, and mixed-use property. We support property investors, landlords, developers, and business owners who need certainty of funding, clear terms, and the ability to move quickly when opportunities arise.
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Whether you are purchasing, refinancing, releasing capital, or funding works, our streamlined lending approach allows you to complete transactions efficiently without unnecessary red tape or delays.
Move quickly
Act with confidence on time-critical opportunities, including auctions, off-market purchases, and tight completion deadlines, giving you certainty of funding when it matters most.
Add value
From refurbishments and conversions to stabilising rental income, our facilities focus on the strength of the property and the exit strategy, allowing you to improve and reposition your asset without being slowed by complex finance.
Clear and reliable
We provide transparent terms, consistent underwriting, and a straightforward process from application through to completion, so you always know where you stand and can plan with confidence.