Case Studies of Bridging Finance 4U
See our funding in action discover case studies that highlight the impact of tailored finance across different sectors.
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
Client came to us with a 3-week deadline to take out his existing bridge as works were delayed, so the project was held up. If he did not complete by the 17th of the month, then the current lender would put the client in default and would need to find an additional £25,000.
BF4U managed to get this done using a lender who accepted Desktop Valuations on flat and also offered dual representation legals, which meant the whole legal process was smooth and fast.
The loan amount was £610,000, and interest was partially serviced by the client to increase the net borrowing. The interest rate was 0.95% per annum, as the client was taking out another bridge loan at 70% LTV.
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