For the initial purchase, you will typically need a 15-25% deposit for the bridging loan, which can come from your own cash sources or a private investor. The lender will require this deposit to minimise their risk. We have several lenders that can lend 85% for light refurbishment projects. For larger projects such as a heavy refurbishment, you will need a deposit of 25% initially, but the lender can then provide 100% of the funding for the works. Alternatively, we have arranged deals with 100% finance on the purchase, where the client could offer additional security over another property where there was enough equity to give the lender comfort to go to 100% of the purchase price. This area can get complicated so it is best to discuss on a case-by-case basis.