Desktop Valuation Bridging
Fast approvals. Lower upfront costs.​
Our streamlined Desktop 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.
​
Contact one of our team below to see if you or your client are eligible for this product
Desktop Bridging Loan Criteria
A Guide to Desktop Valuation Bridging Loans
We specialise in providing Desktop Valuation Bridging Loans designed to reduce upfront costs, improve transaction speed, and streamline the lending process. By utilising desktop valuations, automated valuation models (AVMs), and internal valuation methods, we help eligible borrowers avoid physical survey delays while maintaining robust underwriting standards.
​
Our Desktop Valuation bridging finance solutions are commonly used for auction purchases, property acquisitions, refinancing, re-bridging, and refurbishment projects, where speed and certainty of funding are critical. This approach enables faster credit approvals, shorter completion times, and greater flexibility for property investors and developers.
​
Desktop valuation bridging loans are particularly suited to time-sensitive property transactions, allowing clients to secure funding efficiently while benefiting from reduced valuation costs and accelerated decision-making.
How Does Desktop Valuation Bridging Work?
With Desktop Valuation Bridging Loans, the property is assessed remotely by a qualified valuer using market data, comparable sales, planning information, mapping tools, and professional desktop analysis — removing the need for a physical site inspection.
​
This desktop valuation process allows lenders to reduce upfront valuation costs, shorten approval times, and accelerate completions, while still providing a reliable and professionally supported assessment of market value. As a result, desktop valuation bridging finance is particularly suited to standard residential and commercial properties, straightforward transactions, and time-sensitive funding requirements.
​
Where a desktop valuation is not appropriate, lenders may alternatively consider AVM-based valuations or internal valuation methods, depending on the property type, risk profile, and loan structure.
Desktop Valuation Bridging – Key Features & Benefits
Faster Funding Decisions
Desktop valuation bridging loans remove the need for physical site inspections, allowing valuations to be completed remotely. This significantly shortens approval times and enables quicker access to short-term property finance for time-sensitive transactions.
Lower Upfront Valuation Costs
By using desktop-based professional valuations, borrowers benefit from reduced survey fees compared to traditional full valuations. This lowers initial transaction costs while maintaining a reliable assessment of market value.
Ideal for Straightforward Property Transactions
Desktop valuation bridging is particularly well suited to standard residential and commercial properties, low-risk lending scenarios, and clear exit strategies. This makes it an efficient solution for auction purchases, refinances, and short-term bridging requirements.
When Should You Use a Desktop Valuation Bridging Loan?
A Desktop Valuation Bridging Loan is most suitable where speed, cost efficiency, and transaction simplicity are key priorities. It is commonly used when the property type is standard, the risk profile is low, and a full physical valuation is not required.
​
Desktop valuation bridging finance is particularly effective in the following scenarios:
-
Time-sensitive purchases, including auction completions and quick acquisitions where delays could result in lost opportunities.
-
Straightforward residential and commercial properties with strong comparable evidence and clear market data.
-
Refinance or re-bridge transactions where the property condition is well documented and ownership history is clear.
-
Lower-risk loan structures with conservative loan-to-value ratios and defined exit strategies.
​
By removing the need for an on-site inspection, desktop valuation bridging loans allow borrowers to complete faster while benefiting from reduced upfront costs and streamlined underwriting.
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.
Why Choose Desktop Valuation Bridging Over a Full Valuation?
Choosing a Desktop Valuation Bridging Loan instead of a traditional full valuation can offer significant advantages where speed and cost efficiency are critical to the transaction.
​
Faster Completion Times
Desktop valuations remove the need to schedule physical inspections, allowing lenders to assess the property remotely. This results in quicker underwriting decisions and faster access to bridging finance.
​
Lower Upfront Valuation Costs
Without the requirement for a site visit, desktop valuation fees are typically lower than full survey valuations. This helps reduce initial transaction costs while still providing a professionally supported market assessment.
​
Best Suited to Simple, Standard Properties
Desktop valuation bridging works best for straightforward residential and commercial assets with strong comparable evidence. Highly bespoke, specialist, or unusual property types typically require a full physical valuation to ensure accurate assessment and risk management.
​
Greater Certainty for Time-Sensitive Deals
For auction purchases, short completion deadlines, and refinancing transactions, desktop valuation bridging loans provide increased certainty of completion by removing valuation bottlenecks.
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
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.
​
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.