Case Studies

The Client Our client was an established business owner looking to raise additional capital to reinvest in the company. The business owned its trading premises outright, in the sense that there was substantial equity in the property even though a commercial mortgage was already secured against it. Rather than refinance that existing commercial mortgage, the […]

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 the upper floors could […]

The Client The clients are first-time landlords, though they jointly own their own residential property between them. They recently set up a Special Purpose Vehicle (SPV) company to acquire investment properties, and this is their first project through it. There are three directors and shareholders in the SPV, none of whom have any renovation experience. […]

The Client The client was seeking to remortgage an unencumbered buy-to-let property to release funds to repay an investor who had helped them purchase the property initially. There was an agreement in place to repay the investor within an agreed timeframe. The Scenario The property had no working kitchen or bathroom, which meant it was […]

The Client There were two clients in this situation. One owns and runs a successful business. The other is the general manager of the pub and restaurant they were looking to buy. Both had a good income and no bad credit issues. One applicant owns a residential property jointly with her husband, and the other […]

The Client The client had seen an attractive investment opportunity – a large multistorey office block in a city centre location, 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, held both in personal names and through […]

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 almost up to their limits, a credit card at its £14,500 limit, and had taken out unsecured loans on top of this. Their disposable […]

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 part-owner of a limited company with multiple directors. The property was owned by the limited company and was a listed building, previously converted for use partly to house their information technology company, with the remainder intended for either office space or lettable accommodation – a decision still to be made […]

The Client The client’s objective was to remortgage his consumer buy-to-let property to repay temporary bridging finance already in place. He had already taken an extension to repay the bridge and was running out of time. The bridging lender was threatening to force a sale of the property, since the term of the bridging finance […]

The Client The client was a retired doctor who owned an unusual property combining commercial, residential and buy-to-let units within the same building. He also owned a further buy-to-let property in his portfolio. His income came predominantly from pensions, along with income from the land and property he owned. The Scenario The client wanted to […]

The Client The clients are both portfolio landlords. The husband owns 14 buy-to-lets and the wife owns 12. Both have good credit and earnings, and they also own their own residential property. The Scenario The wife owns a buy-to-let flat in her name only, but the clients wanted to add the husband onto the mortgage […]

The Client The clients were new landlords who wanted to specialise in the holiday let market. They had a good background income and had already identified 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 in order to […]

The Client Our client’s business is a limited company that has traded as a mini-supermarket, established in the area for more than 15 years. The business had been extremely profitable and growing year on year, with the premises held on a long lease. The Scenario The landlord was looking to sell the premises, making it […]

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 level of net worth and equity across their residential and investment properties. Both applicants were self-employed with a clean credit history. The Scenario The property consisted […]

The Client The client owns a bar and restaurant, trading as a limited company for the past eight months, with a regular monthly turnover of between £40,000 and £50,000. The Scenario The client was keen to expand and improve the premises, particularly the outside dining area. Most lenders require access to the latest filed accounts, […]

The Client The client is a freight forwarder business that has traded as a limited company for the past seven years, with a healthy turnover of around £600,000 a year. The Scenario The client had consistent cash flow issues, driven by offering standard payment terms of 60 days to customers on invoices, in addition to […]

The Client The client owned a semi-commercial property, with a hair salon on the ground floor and a first floor flat above. The client had obtained planning permission to build a further two-bedroom flat at the rear, recently completed using bridging finance as a short-term funding solution. Following the pandemic, many commercial lenders had withdrawn […]

The Client The clients are UK portfolio landlords who already own multiple investment properties in Northeast England, as well as their own residential property. They were in the process of purchasing a leasehold block of eight flats on one title for £215,000, via their SPV limited company. Both applicants are self-employed, with the main applicant […]

The Client Our client was a UK citizen who already owned one holiday let property, as well as his own residential home, and was about to complete on a second holiday let property. He worked as a train driver, on a good income combining basic pay and overtime. The client had bridging finance in place […]

The Client A client was looking to purchase a property at 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 both bridging finance and foreign national mortgages, we were able to find […]

The Client A client had a requirement for business finance. The funds were needed for working capital and business expansion, with a target of raising between £10,000 and £15,000, urgently. The Scenario Unsecured business loans remain a relatively niche product and a higher-risk one for lenders. As a result, the market is more limited, and […]

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

The Client The client was looking to refinance a former residential property that had been used as a second home. The Scenario The property was valued at £600,000, but with an AST rental figure of only £1,400 a month, the client wanted to explore ways of earning a higher income from it. Given its coastal […]

The Client The client is a payroll services business seeking £250,000 to £350,000 of working capital to support ongoing growth. The client wanted a facility that would allow the business to grow over a three-year period, investing in marketing, new staff and an upgraded office to accommodate increasing demand. The business had no assets of […]

The Client We recently assisted a first-time landlord client in purchasing a standard three-bed Victorian terrace. Their goal was to turn the property into a six-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, fees, and the first tranche […]

The Client This case looks at the benefits of bridging finance for a client purchasing a new residential property, using a let-to-buy mortgage to raise the deposit funds. The client was already in the process of a standard let-to-buy remortgage – where a client retains their existing residential property and lets it out, typically up […]

The Client The client, resident in Bermuda, had an initial enquiry for bridging finance. He had bought a property in Suffolk in 2018 and was prepared to spend around £850,000 on developing it, with the property valued at £1,000,000. The property was unencumbered. The Scenario The client wanted to raise £300,000 net via bridging finance, […]

The Client The client had an initial enquiry for bridging finance. He held a residential property in London valued at £760,000, with an existing mortgage of £300,000. The Scenario The client wanted to raise £200,000 as a second charge via bridging finance, needing the funds quickly to carry out work on another residential property. As […]