Our client was a single applicant based in London who owned a residential property valued at approximately £1.1 million, as well as an additional high-value property valued at approximately £2.4 million.
Area: London
Capital Raised: £450k
Date: 2019
Our client was a single applicant based in London who owned a residential property valued at approximately £1.1 million, as well as an additional high-value property valued at approximately £2.4 million.
The client was a self-employed director of a 3D animation company, generating an annual income of approximately £40,000 to £50,000 with several years of trading history.
He had also recently purchased a new property and partially funded the acquisition through a £350,000 mortgage secured against his main residence, creating a layered financial structure across multiple assets.
The client required funding to complete refurbishment works and support further property investment opportunities.
His objectives were to:
The refurbishment project was intended to increase both the value and marketability of the property ahead of sale, forming a key part of the overall exit strategy.
This case involved several complexities that required careful structuring and the selection of a specialist lender.
The transaction involved a mixed use of funds, combining refurbishment works with additional property investment, while the client’s self-employed income profile limited the suitability of traditional mortgage products.
The case also involved a layered borrowing structure due to the client’s recent high-value property purchase and existing mortgage commitments. In addition, the proposed repayment strategy relied on the future sale of the main residence.
Traditional mortgage solutions were unsuitable due to the short-term, multi-purpose funding requirement and the need for flexibility throughout the transaction.
We arranged a tailored regulated bridging loan designed specifically to release capital efficiently across the client’s property portfolio.
The funding solution included:
The selected lender provided the flexibility required to accommodate the client’s broader circumstances, including a history of gifted deposits and residency considerations.
The structure enabled the client to complete refurbishment works while simultaneously unlocking capital for further investment opportunities.
This case required a strategic and flexible approach throughout the transaction.
We carried out a detailed assessment of the client’s wider asset base, existing borrowing structure, and future investment plans before structuring a bridging facility aligned to both the refurbishment and investment objectives.
A suitable lender was sourced that could accommodate the complexity of the background circumstances while also supporting the client’s short-term value-add strategy. The facility was then aligned carefully with the proposed property sale exit strategy.
Throughout the process, communication between all parties was managed proactively to ensure the transaction progressed smoothly and was completed within the required timeframe.
The bridging loan was successfully completed, enabling the client to complete refurbishment works and unlock additional capital for further investment.
As a result, the client was able to:
Conclusion:
This case highlights how bridging finance can provide flexible funding solutions for refurbishment and investment projects simultaneously, particularly where traditional lending is restricted by income profile.
By focusing on asset value, project viability, and exit strategy, bridging lenders can help clients execute complex and high-value property strategies efficiently.
