Case profile
- Product: Residential Investment Bridge
- Loan amount requested: £1,560,000
- Property value: £1,950,000
- LTV: 80%
- Property type: Newly built detached residential property
- Applicant type: SPV
- Applicant background: The client is an experienced property investor with an established portfolio of four buy-to-let properties, with a combined value of over £4.1 million. The client has a strong track record in property investment and development, having successfully funded and completed the build of the subject property.
Planning, valuation and property considerations
Planning status / use class: standard residential use (C3) with the property intended to be let on a single APT basis.
Property condition and refurbishment: the property is a newly completed build (2025), finished to a high standard and requiring no further refurbishment.
Scenario and deal complexities
Key complexities included:
- Extremely tight deadline: the client required completion within days to avoid thousands of pounds of extension fees from their existing lender.
- Large loan size at high LTV: structuring an 80% LTV loan at this value required careful underwriting and a strong understanding of both the borrower profile and exit strategy.
- New build considerations: due diligence was carried out to ensure that appropriate new build warranties were in place and acceptable to the lender.
- Insurance and exit considerations: a discrepancy between reinstatement values and warranty limits created potential exit challenges, which were proactively addressed by securing a confirmed refinance route with an alternative lender.
Timeline
- Application submitted to underwriting: 28/04/2026
- Valuation instructed and re-typed: 28/04/2026
- Valuation received: 29/04/2026
- Mortgage offer issued: 30/04/2026
- Completion: 01/05/2026
Outcome summary
The case was completed in just 5 days from application to completion, a record-breaking turnaround time for a complex bridging transaction.
Our client was able to repay their existing bridge and avoid paying thousands of pounds in charges.
The client is now in a strong position to secure tenants and proceed with their planned refinance exit strategy.
Let’s work together
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