Our clients were a married couple based in Kingswood, Tadworth, Surrey, who owned a high-value detached residential property valued at approximately £2.39 million.
Area: Kingswood, Tadworth, Surrey
Capital Raised: £1.15 Million
Date: 2019
Our clients were a married couple based in Kingswood, Tadworth, Surrey, who owned a high-value detached residential property valued at approximately £2.39 million.
One applicant was a self-employed company director, while the other was a housewife, with their wider financial position primarily supported through business income and substantial property wealth.
At the time of the application, the property had an existing mortgage balance of approximately £118,000, leaving the clients with a strong overall equity position.
The clients required funding to complete the purchase of a residential care home.
Their objectives were to:
The urgency arose because the clients had already exchanged contracts and committed a deposit of approximately £400,000, making timely completion essential.
This case involved several important complexities that required strategic structuring and fast lender engagement.
The transaction centred on a large bridging requirement to facilitate a commercial acquisition, with residential property used as security. In addition, the clients needed to redeem an existing mortgage as part of the transaction.
The purchase itself was highly time-sensitive due to the significant deposit already committed, while the repayment strategy relied on the future sale of the residential property.
Traditional commercial lending options were unsuitable due to the required speed and the structure’s complexity.
We arranged a tailored regulated bridging loan designed specifically to release capital quickly against the clients’ residential property.
The funding solution included:
The selected lender provided the flexibility and speed required to complete a high-value, time-sensitive transaction.
The structure enabled the clients to efficiently leverage their property wealth to secure the commercial opportunity.
This case required a strategic and carefully managed approach throughout the transaction.
We carried out a detailed assessment of the clients’ asset base, equity position, and proposed exit strategy before structuring a bridging facility aligned to the care home acquisition.
A suitable lender was sourced that could accommodate both the large loan requirement and the commercial purpose of the funding while still moving quickly enough to meet the required completion deadlines. The facility was then aligned carefully with the proposed property sales and downsizing strategy.
Throughout the process, communication among all parties was managed proactively to ensure the transaction was completed efficiently and to protect the clients’ purchase position.
The bridging loan was completed successfully, enabling the clients to purchase the residential care home.
As a result, the clients were able to:
Conclusion:
This case highlights how bridging finance can provide fast and effective solutions for high-value commercial acquisitions where traditional lending cannot meet the required timescales.
By focusing on asset value and exit strategy, bridging lenders can help clients unlock substantial equity quickly to secure time-sensitive business and property opportunities.
