Case Studies

The Client This client was already a property investor and knew exactly what they were looking for – a building with potential, not a “perfect” finished asset. The Opportunity They came across a commercial property priced at £150,000 that immediately caught their attention. The numbers made sense, the location worked, and importantly, the upper floors […]

The Client: The client are first-time Landlords, but they own their own residential between them. They have a Special Purpose Vehicle (SPV) company recently setup to acquire new investment properties, of which this is their first project. There are 3 directors/shareholders in the SPV company, none of which have any renovation experience. Try our Bridging […]

Commercial Finance UK is essential for all businesses as it assists with various funding needs, such as managing cash flow and expanding operations.  Bridging finance brokers and bridging mortgage brokers play a very important role in the whole process as they help borrowers and lenders alike.  Whether you are an investor or an entrepreneur, the right […]

The Client  The client was seeking to remortgage an unencumbered Buy to Let property in order to release funds to repay an investor who helped the client to initially purchase the property.  There was an agreement/contract in place to repay the investor within an agreed timeframe.   The Scenario  The property had no working kitchen or […]

The Client:  There are two clients in this situation. One owns and runs a successful business. The other is the general manager for the Pub / Restaurant they are looking to buy. They have a good income and they have no bad credit issues. One applicant owns a residential jointly with her husband, the other […]

The Client:  Our client’s objective was to consolidate as much unsecured debt as possible including credit items with interest rates as high at 29.9% and some with low to 0% interest rates, which were scheduled to shortly revert to 20% plus rates in a few months’ time.  In addition to some personal loans, the Client […]

The Client:  There is one applicant, who is trying to buy his first home. The client has two jobs, one in which he is employed and the other in which he is self-employed.  The Scenario:  The client is a first-time buyer. He has a good deposit and wants to buy a home. He works employed […]

The Client: Married couple seeking to raise funds for a new residential purchase. Client’s both own a Buy to Let property each and their current residential property. Scenario: The clients were short on funds for the new purchase and are looking at creative ways in which to raise the finance. “Mr” is a contract worker […]

The Client: There are two applicants. The main applicant has three sources of income. One is employed, one is self-employed and one has property income. The client also has a fair amount of unsecured finance and he doesn’t want it to impact his affordability. He will be paying it off before completion. The Scenario: The […]

The Clients:  The clients were a married couple who had recently moved back to the UK to reside full time. The first applicant was British born, with the other being a Foreign National on a visa to reside in the UK. They were looking to purchase a residential home for themselves and their family.   Discover […]

The Client:  The client came to us as a first-time buyer looking to purchase their first home. The client was interested in the Shared Ownership Scheme and had put down a deposit, securing the plot.   Discover our Residential Mortgage Broker services.  Scenario:  The client was purchasing 25% of the property from the Housing Association and needed to […]

The client:   The client had seen an attractive investment opportunity which was a large multistorey office block, in a city centre location which was in the process of being converted into multiple flats. Our client was a portfolio landlord with a spread of existing properties from traditional Buy to Lets to Serviced Accommodation, both in personal […]

The Client:   Our clients had been living oversees for several years. They owned a portfolio of Buy to Let properties in the UK. The Husband was employed with an international company and the Wife was predominately a housewife. Due to family ties back in the UK wife and the children were looking to move back […]

The client:   The client was looking to invest some capital into a property. Despite the recent rate rises this was an attractively priced property and one that the client believed could have the potential for capital growth. As a first-time landlord the applicant wanted whole of market advice to make sure that they had the best mortgage […]

The Client:  The clients were a married British couple who emigrated to sunny Australia a few years ago.  The client had secured jobs as a GP and a local government officer and had since welcomed a child into the world since relocating.  The clients’ owned a Buy-to-let property in the UK which was coming to […]

The Client:  The application was put through in joint names for two Foreign Nationals. Both clients resided in the UK on working visas.   The Scenario:  The applicants had previously purchased a mixed-use pub/residential property on a Bridging loan. They had refurbed it and brought it up to a high spec. Pubs are difficult to finance […]

The Client: The clients were a married couple who owned their residential home and two Buy to Let properties.  The husband was self-employed and the wife a homemaker.   The clients had multiple overdrafts which were almost up to their limits.  The clients had been using the overdrafts to stay afloat, a credit card also up […]

The client:  The client’s objective was to purchase a property through the Right to Buy scheme.  The clients were both brothers, one of whom had learning difficulties and was in receipt of benefits.  The other applicant was his brother’s registered carer and as such received an income from direct payments. He was also self-employed with […]

The Client The client was self-employed and had a Buy to Let portfolio. Due to various factors including the Coronavirus pandemic, his income had fluctuated quite a lot over the past few years. Scenario The client had purchased a property at auction and was under a very tight timescale to complete the funding necessary. The […]

The Client: The client was a semi-retired gentleman who had a portfolio of Buy to Let properties. His income mainly derived from this portfolio. Scenario: The client had the opportunity to purchase another portfolio of properties and needed to refinance his current properties quicky to secure funding for the deal. We looked at the option […]

The Client: The client was an employed lady with various investment properties, all of which were mortgaged. The client had some previous issues with her tenants in some of the properties and was looking to remortgage to a more favourable rate on order to reduce her monthly payments. Her income was a combination of salary […]

The Client: The clients were husband and wife. The husband was the sole earner, and on a very good income. The difficulty arose with the currency he was paid in – Saudi Dirhams, as he was working for a Saudi company. The Scenario: The clients had saved a good deposit and had a very low […]

The Client: The client was part owner of a Limited Company with a multiple directors. The property was owned by the limited Company and was a listed building which had previously been converted for use; partly to house their information technology company and the remainder would be used for either office space or lettable accommodation […]

The Client: The client’s objective was to remortgage his Consumer Buy to Let property to repay the temporary Bridging Finance in place.  They had already taken an extension to repay the Bridge and were running out of time.  The bridging lender was threatening to take action to force sale of the property due to exceeding […]

The Client: The client had a large portfolio of 17 properties. The properties were of mixed ownership comprising of personal name, Limited Company with his wife and Limited Company with his sister. Clients’ sister lives in Australia and although a Shareholder of the Limited Company, not an active Director. The Scenario: Two of the properties […]

The Clients: In this instance, our clients were a Mother and Daughter who wished to make a joint application. The Mother had recently sold her property and was looking to purchase a new property which would become her main residence.  The Daughter lived with her partner quite a distance away from her Mother, therefore the […]

The Client: The client was a retired Doctor who owned an unusual property which had a combination of Commercial, Residential and also Buy to Let units within the same building. He also owned another Buy to Let property in his portfolio. The client’s Income was predominantly from his pensions and also from land and property […]

The Client: The clients are both portfolio landlords. The husband owns 14 Buy to Lets and the wife owns 12. They both have good credit and earnings. They also own their own residential property. The Scenario: The wife owns a Buy to Let flat in her name only, but they wish to add the husband […]

The Client:  Our client was re-mortgaging their marital home as part of divorce proceedings.  During the divorce, they were renting in private accommodation and then once completion of the remortgage had taken place, the subject property would become the client’s main residence and his ex-wife would move out.  The client was unable to wait for […]

The Client: The client had worked on multiple contracts, which causes complications on the underwriting side and narrows the number of lenders to approach.  They were looking to purchase a residential property and had good credit. The Scenario: There are lenders who will say that they will accept multiple contracts however when the underwriter’s review, […]

The Client: The client is a homeowner. She and her son share this property and he pays the mortgage, but her name is equal part to it. She works part time and is on a modest income of £11,000 annually. She also has debt that far exceeds her income, she has 2 loans that total […]

The Client: The clients were a young couple with a child who owned their residential home.  The first applicant was in fulltime employment, and the second applicant was employed part time – taking care of the children.  They had recently remortgaged their property onto a five-year fixed rate deal.  Scenario: A property became available as […]

The Client: The clients were a married couple who owned their residential home.  The husband was self-employed, and wife employed part time – taking care of the children.  Money was tight and keeping up to date with costs of running the home and meeting the repayments to their creditors was becoming more and more stressful […]

The Client: The client is a UK national who lives and works in Angola. She is on a fixed term contract for 3 years and has a good income with no bad credit.   The Scenario: The client was looking to purchase a second residential property in the UK for her Mother, who currently resides […]

The Client The clients had a large portfolio of properties within their local area who were wanting to raise funds for ongoing property purchases and building projects that they had lined up. Both applicants were mainly self-employed, with one applicant having income from employment. Discover our Residential Mortgage Broker services. The Scenario: Due to ongoing investment plans, […]

The Client: The clients were new landlords who wanted to specialise in the Holiday Let market. They had a good background income and had highlighted key areas to invest in to begin the holiday let business. Their credit report was clean, and the plan was to build a portfolio of properties to become self-employed and […]

The Client: The clients had previously switched their former residential property onto a Let to Buy Mortgage to allow them to raise funds for a deposit on a new purchase. The fixed rate was due for renewal and therefore they needed to look at securing a new mortgage. Both applicants were full time employed with […]

The ClientOur client’s business is a limited company which has been trading as a mini-supermarket and established in the area for more than 15 years. The business has been extremely profitable and has been growing year on year and their premises has been on a long lease. The Scenario The landlord was looking to sell […]

The ClientThe clients are both Expats currently based in the UAE, working full time and looking to purchase their first home back in the UK in which they would reside in for 1/3 of the Year. The ScenarioFollowing our free assessment of their current personal and financial circumstances, it was made clear one of the […]

The Client: The clients were experienced landlords looking to purchase their first semi commercial property. They had a large amount of outstanding credit in their personal names but a good amount of net worth and equity across their residential and investment properties. Both applicants are self-employed with a clean credit history. The Scenario: The property […]

The Client: The client owns a bar and restaurant and has been trading as a Limited Company for the past 8 months, regularly turning over between £40-50,000 per month. The Scenario: The client was keen to expand and improve their premises, especially the outside dining area.  Most lenders require access to the latest filed accounts, […]

The Client: The client is a Freight Forwarder business and has traded as a Limited Company for the past 7 years, with a healthy turnover of circa £600,000 per annum. The Scenario: The client has had consistent cash flow issues due to their providing standard payment terms of 60 days to their customers for invoices, […]

The ClientThe Client is an Expat and Teacher who has been working in Thailand for more than 6 years for a company based in the UK. Their husband works for a major holiday booking company and has been working with them for more than 5 years. After an initial conversation, looking at their criteria and […]

The ClientClient was an ex-army veteran who was semi-retired, but still working with a big chain supermarket. Their spouse was a housewife in the process of receiving a pension. After an initial conversation and affordability calculation, our client was satisfied that they could get a new mortgage, despite their ages and with enthusiasm began their […]

The ClientClient is the owner of a Semi-Commercial Property with a Hair Salon on the ground floor along with a first floor flat. The client had obtained planning permission to build another 2-bed flat at the back, which they had recently completed using Bridging Finance as a short-term funding solution. Following the pandemic, many Commercial […]

The Client:The clients are UK portfolio Landlords who already own multiple investment properties in Northeast England, as well as their own residential property and were in the process of purchasing a leasehold block of 8 flats on one title for £215,000 via their SPV Ltd Company. They are both self-employed, with the main applicant being […]

The Client:Our client was a UK citizen who already owns one Holiday Let property as well as his own residential property and was about to complete on another Holiday Let property. The client works as a Train Driver on a good income, with both basic plus overtime pay. The client had Bridging Finance in place […]

The Client: Our client is an Expat working as a Sales Director and living in Hong Kong until recently when he moved to Japan. The client works for a UK based multi-national company and earns good income with most of his overseas expenses also being paid by the company. The Scenario: The Client was seeking […]

The Client: A client was looking to purchase a property via auction which came with a strict completion deadline. As the client was a foreign national, sourcing a lender able to lend could have been a difficult process. The Scenario: As specialists in bridging as well as foreign national mortgages, we were able to find […]

The Client: Our client lives in Canada and has a residential property in the UK that she has been letting out since she left the country in 2016. As a UK-born resident, the client moved to Singapore initially and then on to Canada to live. The property is currently on shared ownership with the client […]

The Client: We were recently successful in helping a client buy their first home, who had recently become a Partner within a GP practice. The Scenario: Typically, when you become a Partner of a GP practice you a treated as “self-employed”. A Partner will take a share in the profits (and losses) of the practice. […]

The Client: A client had a requirement for some business finance. The money was to be used for Working Capital and for Business Expansion. They wanted to raise between £10,000 – £15,000 and needed the funds urgently. The Scenario: Unsecured Business Loans still tend to be a niche product and remains a higher risk product […]

The Client A successful second-hand vehicle dealership who was seeking £100,000 of working capital to facilitate ongoing growth of his business. In particular, the client wanted to purchase higher value stock which would generate greater profit margins. The client had no business assets that could be used to secure against the loan and was a […]

The Client: The client was looking to refinance a former Residential property that has been used as a second home. The Scenario: The value of the property was £600,000, but with the AST rental figure only being £1,400 per month, they wanted to explore ways of earning a higher income from the property. Due to […]

The Client: The client is a payroll services business seeking £250,000 – £350,000 of working capital to facilitate ongoing growth of their business. The client wanted to be able to have a facility that would allow them to grow the business over a 3 year period to invest in marketing, new staff and upgrading their […]

The Client: Our client wanted to remortgage their primary residence, which was currently mortgage-free. They needed to raise money to buy a new vehicle and also to send their daughter to university. The Scenario: The client had already approached several other brokers, all of whom were unable to assist him. The client had recently missed […]

The Client: The client is an Expat looking to purchase a flat on a Buy to Let basis in London. The client came to us having previously instructed another Mortgage Broker for the same application, as the other broker was moving at a too slow a pace. This caused the vendor to become anxious and […]

The Client: The client is a married couple that own their own residential home. They were looking to raise some money against the property, plus pay off the mortgage and two further advances currently outstanding. The money raised is to be used for multiple Buy to Let purchases. The husband was the only source of […]

The Client A client had an initial enquiry for bridging finance. The client was looking to purchase a commercial property for £150,000 and carry out £25,000 of works to convert it to the upstairs commercial area into residential accommodation under Permitted Development (PD) Rights. At the time, the client had no cash to purchase the […]

The Client We recently were successful in assisting a First time Landlord client in purchasing a standard 3 bed Victorian terrace. Their goal was to turn the property into 6 bed HMO by extending to the rear and converting the loft space. The client only had enough funds to cover the initial deposit, stamp duty, […]

A client called in initially looking for some advice as she was looking to purchase what she had been advised by the Sellers as a multi-unit block of 5 flats on one Freehold title. This was a Limited company purchase with an element of the deposit coming from a gift by a family member. We […]

The Client The clients were a couple looking to purchase their first home but one client was leaving their job to further their career prospects by taking a research position to further qualify and increase their earning potential. This would mean that they would no longer have an earned income and they would not be […]

The client came to us after being declined by a mortgage Lender for a property they were looking to purchase. The client was looking for a Buy to Let property purchase. Their previous Mortgage Broker was referred to them by their estate agent. A lot of UK Mortgage Brokers work with either a closed or […]

We first started working with this client back in November 2020 with at the time, their new Buy to Let purchase and also servicing some of their existing property portfolio. The client has an existing portfolio of Buy to Let and HMO properties. Their key requirement when choosing a Mortgage Broker was the necessity in […]

The Client The client was an existing Homeowner who was looking to move into a larger home to start a family with their Husband. The client approached us as her husband could not go on the application since he had an adverse credit history. History The client had previously approached her existing mortgage provider, who had told her that she […]

We recently had a client make an enquiry about purchasing a property through his Limited Company in order to expand his Buy to Let portfolio. The company is an SPV (Special Purchase Vehicle) that has been set up for a while, and has two existing properties within it. The applicant that called also has one […]

The case study below shows a case for an expatriate client and how we were able to assist them with their finance needs. In this particular case the client was a resident of Vietnam and had an existing portfolio of 3 properties and was looking to capital raise on an unencumbered property to fund the […]

A client recently called in with an enquiry with regards to mortgaging his existing property and the basic fact find details were taken. The information provided resulted in discovering that there were two kitchens in the property and the client had some bad credit which he has now consolidated. He currently owns the property with […]

For this study we are looking at the benefits of bridging finance for a client looking to Purchase a new residential property by using a “Let to Buy” mortgage to raise funds for the deposit. In this instance, the client was in the process of a standard Let to Buy re-mortgage (a let to buy […]

An Expat client submitted an enquiry to refinance one of their portfolios, in this case a 2 flat multi-unit block on one freehold. The client had bought the property for cash and was looking to release the equity in the property to fund further purchases. The challenges around Expatriate mortgages usually tend to be around […]

A client had an initial enquiry for bridging finance. The client is resident in Bermuda and bought a property in 2018 in Suffolk. The client was prepared to spend about £850,000 for the developments on the property which has been valued at £1,000,000. The property is unencumbered. He wanted to raise £300,000.00 net via bridging […]

Introduction As we look ahead to the year 2024, the buy-to-let market in the UK shows great potential for investors. With a stable economy and a growing demand for rental properties, this sector offers lucrative opportunities. In this blog post, we will explore the buy-to-let outlook in the UK in 2024, highlighting key factors that […]

The Client:  Our client lives in the Czech Republic. He has been living there circa 13 years where he is employed full time managing a school and also owns his residential property in the Czech Republic. In addition, the client owns another residential property in the UK which has no mortgage on it. The client […]

A client had an initial enquiry for bridging finance. The client had a residential property in London valued at £760,000.00 with a mortgage of £300,000.00 He wanted to raise £200,000.00 as a second charge via bridging finance as he needs the funds quickly to do work on another residential. As this loan is a second […]