• Product: QML Pro 
• Property value: £250,000 
• LTV: 40% 
• Property type: C4- Adapted for supported living with 6 units in total  

Applicant Background  

The applicant is an experienced landlord with 2 years’ experience in other HMO properties.  

Tenancy and income details 

• Supported living tenancy type: Supported living HMO under 18s that need 24-hour care. 
• Lease term: 2 years 

Outcome Summary  

The client was looking to acquire the property through their own trading company, with the intention of putting a lease in place with the local council to provide accommodation for tenants. As part of our due diligence, we carried out a detailed review of the proposed lease to ensure it aligned with both the client’s objectives and our lending criteria. 

Following this review, we worked closely with all parties involved to agree several amendments prior to submission, ensuring the lease structure and terms were fully acceptable. This proactive approach helped to avoid potential delays later in the process and provided greater certainty for the client. 

The case has since received a formal offer and is now awaiting completion.  

Let’s work together 

At Quantum Mortgages, we’re committed to helping intermediaries place complex cases with confidence.  

If you have a client looking to finance a supported living property, or you’re exploring options for a more specialist case, get in touch with our team today. 

 Contact us to discuss your next case
 Register as an intermediary to access our latest products
 Speak to a BDM for tailored support  

The post Supported Living Under 18s Case Study appeared first on Quantum Mortgages.

• 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 

At Quantum, we’re committed to helping brokers place complex bridging cases with confidence.  

 Contact us to discuss your next case
 Register as an intermediary to access our latest products
 Speak to a BDM for tailored support 

The post Rapid Turnaround Bridging Case Study appeared first on Quantum Mortgages.

• Product: QML Pro 5 Year Fixed
• Property value: £770,000
• LTV: 75%
• Property type: HMO House

Applicant background

The applicant is an experienced landlord with a proven track record, holding four investment properties with a combined portfolio value of more than £2m. This particular transaction formed part of a longer‑term strategy to grow a stable portfolio for future financial planning.

Tenancy and income structure

• Supported living tenancy type: Supported living HMO, benefiting from an HMO exemption due to the nature of the tenancy, providing accommodation for tenants with learning difficulties
• Lease term: 3 years

Outcome summary

Finance was successfully provided to support long‑term supported living accommodation. The transaction enabled the broker’s client to expand their investment portfolio, reinforcing a sustainable, socially aligned strategy that forms part of their “pension pot” planning.

Let’s work together

At Quantum Mortgages, we’re committed to helping intermediaries place complex cases with confidence.

If you have a client looking to finance a supported living property, or you’re exploring options for a more specialist case, get in touch with our team today.

Contact us to discuss your next case
Register as an intermediary to access our latest
Speak to a BDM for tailored support

The post Supported Living HMO Case Study appeared first on Quantum Mortgages.