Bahamas Bridging Loans

Bridging loans are a finance options used in the short-term, which allow you to borrow funds for a period of a few weeks and up to around of three years at maximum. Bridging finance can be used to quickly buy property in the Bahamas, without having to use a conventional mortgage product. This type of finance can also be used to raise capital to purchase a new property in the Bahamas before you have sold your old home or another property in your wider portfolio.

Bahamas bridging loans can also be used to release equity from real estate you own within the Bahamas. Any type of property can be used as collateral, although residential real estate is the most commonly used, especially given the significant value of Bahamas residential property.

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Enness' Offer – Bahamas Bridging Loans

  • Offers for bridging loans in the Bahamas 
  • Use residential property as security
  • Use loan capital either in the Bahamas or internationally
  • Release equity from prime, unencumbered Bahamian property
  • Expertise and track record in brokering high-value bridging finance and equity release deals

Using Bridging Loans in the Bahamas

As long as you have a clear strategy for how you plan to use a bridging loan and an exit plan, lenders will generally be open to you using a Bahamian bridging loan in various ways – they do not only need to be used to buy property without a mortgage.

You can also use bridging loans to pursue projects or solve problems by generating capital to via equity release, for example. Scenarios will be dependent on your circumstances; however common ways of using equity release secured against Bahamas real estate include:

  • Completing property transactions quickly in the Bahamas
  • To buy real estate in the Bahamas ria before you have sold another property in your portfolio
  • Using bridging finance instead of an international or domestic mortgage, or other more conventional property finance options
  • To release equity from real estate you own in the Bahamas. This can then be used to invest, finance projects, consolidate debt, buy other assets or securities or generate capital to solve financial problems

Enness is able to broker bridging loans on your behalf in all of these situations and more, as well as being able to broker high-value deals. It is useful to note that you do not need to be a full-time resident in the Bahamas to qualify for these loans.

How Do Bahamas Bridging Loans Work?

Enness can broker Bahamian bridging loans of any amount but are particularly experienced in brokering deals involving high-value real estate, including large loans of $10 million or more secured against prime Bahamian property.

Lenders will offer you a short-term loan secured against real estate you own in the Bahamas.

An advantage of bridging loans is that funds can be drawn down more quickly compared to conventional property finance, meaning these loans are often used to achieve certain goals or solve financial problems when you need to access liquidity fast. Before offering you a loan, you will need to present lenders with a structured exit plan. Despite being open to how exactly you plan to exit the loan at term, you must have a solid, documented strategy for using and managing the funds. Refinancing, the sale of properties and liquidity events - such as sale of a business or expected inheritance, are common strategies.  

A number of things can have an impact on the amount you are able to borrow, including your property's value, plans, financial background, net worth and exit strategy. On average, LTV for Bahamas bridging loans stands at about 60 to 65%, however certain lenders may be able to offer you more or less than this. Lenders may also consider securing your loan against multiple assets, either in the Bahamas or internationally, which can increase the amount you can borrow. This can be particularly useful for high-net-worth individuals with global property portfolios. The higher your net worth and the stronger your financial situation, the more finance you are likely to be offered.

Enness can arrange multi-million-pound bridging deals if your property and financial background supports this, and many lenders will be happy to offer large bridging loans of $1 million or more secured against Bahamian property.

If you or your advisers have specific requirements to optimise or streamline borrowing, Enness can broker Bahamian bridging loans to meet these needs. For example, Enness can negotiate loans structured via entities and various ownership structures in either the Bahamas or abroad.

With extensive experience in cross-border transactions, Enness can broker bridging loans secured against Bahamian property where you can use the loan capital in other jurisdictions achieve your goals or solve a problem. This includes wanting to buy property or for other projects such as investments or debt consolidation.

Regardless of your goals or situation, Enness will always work to secure the best bridging loan for you. Enness will also consistently communicate with everyone involved including lenders and advisers to complete the deal as quickly as possible.

Bahamas Equity Release

You can use Bahamas bridging finance to release equity from real estate you own in the Bahamas. You do not need to be a full-time resident of the Bahamas to be able do this. Your lender will secure the bridging loan against your property in the Bahamas, and following this, the loan capital can be used for international projects and domestic ventures if you wish. You could use this capital to buy property, consolidate debt, invest, purchase assets or solve short-term cash-flow problems. Lenders are usually flexible with how you plan to use the loan but will certainly want to see a detailed strategy for both managing and exiting the loan. Enness can help you present this plan to lenders, including in cases where you have ambitious exit plans.


Many lenders will consider offering Bahamas bridging loans or equity release secured against Bahamian property in cross-border deals. For example, if you wish to raise equity against a high-value Bahamian residence but use the loan capital in another country. This is a popular option for high-net-worth individuals. Many lenders offer bridging loans in different currencies, even if the loan is secured against real estate In the Bahamas. Enness can broker bridging finance in pound sterling, euros or Swiss francs, as well as other currencies depending on your needs. This can save you dealing with costly currency conversions and simplify using loan capital internationally.

Get In Touch

Get In Touch

Enness is a leading broker of Bahamas bridging loans and equity release secured against Bahamas real estate. Get in touch to discuss your requirements and the team will talk you through your options and give you more information about bridging finance tailored to your personal situation.

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