Genuine BMV Deals
Up to 100% purchase price
Plus Stamp Duty Land Tax (SDLT) and 100% of refurbishment works, subject to maximum gross LTV against independently verified current Open Market Value (OMV).
Acorn.finance · Specialist Bridging Desk
Below Market Value (BMV) & 100% Purchase Price Bridging Finance
Fund up to 100% of the purchase price, Stamp Duty (SDLT), and refurbishment costs on genuine off-market and discounted property acquisitions.
- Up to 100% Purchase Price + SDLT + Refurb
- Up to 95% LTV for Auction Purchases
- Lending Based on True Open Market Value (OMV)
- Facilities from £75,000 to £1,000,000+
Soft search only — never affects your credit score.
Specialist maximums, not guaranteed offers. Total gross debt, including fees and retained interest, must remain within lender valuation caps. Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
How BMV Funding Works
Lending against true value, not just the price
When acquiring a property substantially below its true market value — such as probate sales, repossessions, corporate liquidations, distressed sellers or direct-to-vendor off-market deals — specialist lenders evaluate debt limits against the property's independent Open Market Valuation (OMV) rather than just the agreed purchase price.
The lender-instructed RICS surveyor must verify current-state value today. Expected renovation uplift is not evidence of a current BMV discount. The gross OMV cap is lender-specific; 100% purchase-price funding is not 100% LTV.
Auction Purchases
Up to 95% LTV
Of the hammer price for fast 28-day auction completions. Funding and completion depend on valuation, legal readiness, lender criteria and a credible exit.
Standard Residential Acquisitions
Up to 90% LTV
On open-market acquisitions, subject to lender criteria. A small discount from the asking price or the need for refurbishment does not establish genuine BMV status.
High leverage requires a viable sale or refinance exit. Confirm legal deadlines, valuation fees, retained interest, works drawdown timing and contingency with your broker before committing; obtain independent tax and legal advice on SDLT and the acquisition.
Commercial & Property Debt
Document preparation
BMV & High-LTV Bridging Checklist
Below Market Value & Auction Finance
Document requirements vary by lender and circumstances. Collected documents are not uploaded or verified here.
Lender notes
Provide the agreed price, seller and solicitor details. Explain the seller’s motivation and any unusual sale conditions.
Lender notes
Use recent sold comparables for initial research. Do not commission a private RICS report: the lender or its approved panel must instruct the secured-lending valuation with the correct reliance terms.
Lender notes
Include costs, contingency, timing and permissions. Confirm when works drawdowns are released and what cash you need before reimbursement.
Lender notes
Provide a credible repayment route within the bridging term. A decision in principle is not a binding mortgage offer; support sale prices with evidence.
Lender notes
Supply full consecutive statements and details of comparable completed projects. Explain large transfers and the source of funds for fees or contingency.
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Frequently Asked Questions
Discuss your purchase, valuation and exit
Speak with Our Bridging TeamSoft search only — never affects your credit score.