Bridging Finance 4 U

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CASE STUDIES

See our funding in action—discover case studies that highlight the impact of tailored finance across different sectors.

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First Charge Bridging Loan

A client inherited a property with their sister and wanted to buy out her share. Due to adverse credit, a traditional mortgage wasn’t an option. Bridging finance offered a flexible solution with no monthly repayments for 12 months, and a successful exit was achieved through refinancing.

Key Details

  • Purpose: Property share buyout
  • Security: First charge loan
  • Property Value: £220,000
  • Loan Amount: £100,000 net
  • Rate: 1.3% monthly
  • Fee: 2% arrangement
  • Repayments: Deferred 12 months
  • Exit Plan: Refinance with lender

Semi Commercial Property Finance Solution

We helped a client secure funding for a semi-commercial property in East London, comprising a commercial unit with a flat above. The flat had planning permission to convert into three separate units while retaining the commercial space below.

The property was valued at £650,000, and we arranged a £330,000 bridging loan to support the purchase and planning process. The deal completed in March 2025 with a 12-month term, giving the client time to apply for additional permissions and prepare for development.

Key Details

  • Location: East London
  • Property Type: Semi-commercial (flat above shop)
  • Valuation: £650,000
  • Loan: £330,000 bridging
  • Purpose: Purchase + planning gain
  • Planning: Convert flat into 3 units (commercial to remain)
  • Completion: March 2025
  • Term: 12 months

Second Charge Bridge Solution

We arranged a second charge bridging loan of £73,000 secured against a buy-to-let investment property. The property was valued at £450,000, and the client required quick access to funds without disturbing the first charge mortgage.

The bridge provided the flexibility needed while keeping the primary finance in place — a straightforward solution for an experienced landlord.

Key Details

  • Loan Type: Second charge bridge
  • Loan Amount: £73,000
  • Property Type: Buy-to-let investment
  • Valuation: £450,000
  • Purpose: Quick capital raise without affecting first charge

2nd Charge – Fast Completion

Client needed urgent funds to complete on a property they had already exchanged on. We arranged a second charge bridge without needing a valuation or consent from the first charge lender. Funds were received in just 5 working days.

Key Details

  • Property Value: £300,000
  • Existing Loan: £110,000
  • Bridge Needed: £70,000
  • Rate & Fee: 1.5% + 3% fee

Development Finance Solution

A client approached us with terms from another lender to fund a property purchase and development. The offered terms only covered 70% of the 90-day value and 70% of the development cost. We sourced a more competitive solution — securing 70% of the purchase price and 100% of the development cost, as the lender’s exposure remained under 65% of the GDV.

Thanks to our strong lender relationships, we also arranged a smooth exit strategy with a high-street commercial lender.

Key Details

  • Purchase Price: £950,000
  • Development Cost: £400,000
  • LTV on Purchase: 70%
  • Development Funded: 100%
  • Rate: 1.25% pcm
  • Arrangement Fee: 2%
  • Exit: High-street lender refinance

HMO Property Finance Solution

A client was looking to buy a licensed HMO that included a separate self-contained studio. The studio didn’t have change of use consent, so traditional lenders wouldn’t finance it and the vendor was only open to cash buyers.

We arranged a bridging loan to complete the purchase. After removing the kitchen from the studio, the client refinanced with a high-street lender within three months — saving over £70,000 on the Open Market Value.

Key Details

  • Purchase Type: Licensed HMO with separate studio
  • Challenge: No change of use; cash buyers only
  • Solution: Bridging loan; kitchen removed post-completion
  • Time to Exit: 3 months
  • Exit: High-street lender refinance
  • Client Savings: £70,000+ under Open Market Value

Semi Commercial Property Finance Solution

A client came to us urgently — their lender had taken possession of their property and was preparing to sell it at auction. The lender refused to allow a sale and would only permit a refinance. After three weeks with a traditional broker and no progress, the client reached out to us.

We provided indicative terms in 30 minutes and a formal offer (subject to valuation) within an hour. We introduced a fast-acting solicitor, got the valuation done in 48 hours, and the report was with the lender three days later. The case completed just 8 days after the initial enquiry.

Key Details

  • Property Type: Semi-commercial (North London)
  • Valuation: £800,000
  • Loan Required: £430,000 net
  • Rate: 0.99% pcm
  • Arrangement Fee: 1.25%
  • Challenge: Lender had possession, auction pending
  • Solution: Fast terms, solicitor, valuation & legal turnaround
  • Time to Complete: 8 days

First Charge – Light Refurbishment

A client purchased a property at auction and needed quick funds to complete within the 30-day timeframe. We arranged a first charge bridging loan at 75% of the open market value. After completing light refurbishments, the client successfully sold the property at full market value, earning a solid return within six months.

Key Details

  • Purpose: Auction purchase
  • Loan Type: First charge bridge
  • LTV: 75% market value
  • Rate: 1.35% monthly
  • Refurb Type: Light renovation
  • Exit Strategy: Property sale
  • Timeline: Completed in 6 months

Second Charge Bridging Loan

A client owned a property valued at £400,000 with a first charge mortgage of £280,000. They urgently needed £70,000 to purchase an investment property. We arranged a second charge bridging loan to secure the required funds quickly, enabling a smooth and timely purchase.

Key Details

  • Purpose: Investment property purchase
  • Loan Type: Second charge bridge
  • Property Value: £400,000
  • Existing Loan: £280,000
  • Loan Required: £70,000
  • Rate: 1.4% monthly
  • Fee: 2% arrangement

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