Our clients were two experienced property investors based in Burton upon Trent. One client was employed as an optometrist with an annual income of approximately £42,000, while the second client was a self-employed landlord generating approximately £30,000 per annum.
Area: Burton upon Trent
Capital Raised: £438.75k
Date: 2019
Our clients were two experienced property investors based in Burton upon Trent.
One client was employed as an optometrist with an annual income of approximately £42,000, while the second client was a self-employed landlord generating approximately £30,000 per annum.
At the time of the application, the clients were living with family but were actively expanding their property investment portfolio, including semi-commercial assets.
The clients identified an opportunity to acquire a freehold semi-commercial property comprising 14 flats with a purchase price of approximately £400,000.
Their objectives were to:
The wider strategy was to build sustainable rental income across the 14 units before transitioning onto a more conventional long-term finance arrangement.
This case involved several important complexities that required careful structuring and the selection of a specialist lender.
The transaction centred around the acquisition of a semi-commercial property with a relatively high loan requirement, while rental income from the units had not yet been fully established.
The structure also required multiple properties to be used as additional security in order to support the borrowing level, alongside the repayment of an existing commercial mortgage.
Traditional lenders were unsuitable due to the semi-commercial nature of the asset and the reliance on future rental income as part of the long-term strategy.
We arranged a tailored semi-commercial mortgage facility designed specifically to fund the acquisition and consolidate the existing liabilities.
The funding solution included:
The selected lender provided the flexibility required for a semi-commercial investment scenario with a refinance-based exit strategy.
The structure enabled the clients to secure the acquisition while creating a pathway toward longer-term refinancing once the rental income profile had matured.
This case required a strategic and carefully structured approach throughout the transaction.
We carried out a detailed assessment of the clients’ income profiles, investment objectives, and proposed rental strategy before structuring a facility secured across multiple properties.
A suitable lender was sourced that could accommodate the semi-commercial nature of the asset alongside the clients’ future refinance plans. The facility was then aligned carefully with the anticipated rental growth and long-term portfolio strategy.
Throughout the process, communication between all parties was managed proactively to ensure the transaction progressed efficiently and completed within the required timeframe.
The funding completed successfully, enabling the clients to acquire the semi-commercial property and continue expanding their investment portfolio.
As a result, the clients were able to:
Conclusion:
This case highlights how specialist finance solutions can support semi-commercial property acquisitions where traditional lenders may be unable to assist.
By focusing on asset value, additional security, and future investment potential, lenders can help ambitious investors expand their portfolios and create long-term income opportunities.
