Case Studies
Real success stories from our clients across the UK
Central London Property Development
Challenge
An experienced developer needed £850,000 to acquire and renovate a luxury property in Prime Central London. The property required extensive refurbishment to achieve maximum value, but traditional lenders couldn't match the required timeline.
Solution
We provided an £850k bridging loan at 0.75% monthly rate with a 12-month term. The loan covered both acquisition and renovation costs, allowing the developer to move quickly on this prime opportunity.
Results
Funds released within 6 days. The property was successfully renovated and refinanced within 9 months, achieving a 28% increase in property value. The client has since returned for two additional projects.
First-Time Landlord Portfolio Start
Challenge
A first-time landlord in Manchester identified an HMO opportunity requiring £325,000. With no previous landlord experience and the property needing immediate works, high street lenders declined the application.
Solution
We structured a £325k bridging facility at 0.85% monthly, recognizing the client's strong financial position and solid business plan. The loan included funds for conversion works to create a 6-bedroom HMO.
Results
Completed in 5 days from application to funds. The HMO conversion was completed on schedule, and the property now generates £3,200 monthly rental income. Client successfully refinanced onto a BTL mortgage after 7 months.
Birmingham Conversion Project
Challenge
Developer needed £580,000 to convert a former office building in Birmingham city centre into 8 modern apartments. The project had tight planning deadlines and required fast execution.
Solution
We provided a £580k development bridge at 0.79% monthly with staged release linked to construction milestones. Our surveyor worked closely with the developer to ensure smooth drawdowns.
Results
Initial funding released in 7 days. All 8 apartments were completed within 11 months and sold for a combined £1.2M. The developer achieved a profit of £340k after all costs and has since become a regular client.
Portfolio Expansion Regular Client
Challenge
An existing client wanted to acquire 3 properties in Leeds for £1.1M to expand their rental portfolio. Speed was essential as all three were being sold at auction with completion deadlines.
Solution
Leveraging our existing relationship, we structured a £1.1M facility at a preferential rate of 0.69% monthly. The loan covered all three acquisitions with a single streamlined application process.
Results
Approval in principle within 24 hours, full funding in 4 days. All three properties were successfully acquired at auction. The portfolio now generates £5,800 monthly income and has been refinanced onto a commercial BTL mortgage.
First Development Project Fulham
Challenge
A first-time developer won an auction for a property in Fulham requiring £1.18M for acquisition and development. They needed funds for the auction deposit immediately and development costs to follow.
Solution
We provided a combined auction finance and development loan totaling £1.18M at 0.82% monthly. The structure allowed for immediate deposit funding with staged development draws as works progressed.
Results
Auction deposit funded same day, full acquisition funding in 3 days. Development completed in 14 months creating 3 residential units. Refinanced at completion with total project profit of £285k.
Bayswater Terraced House Conversion
Challenge
Investor needed £1M to acquire a large terraced house in Bayswater and convert it into high-end apartments. Planning permission was in place but traditional development finance was too slow.
Solution
We delivered a £1M bridging loan at 0.77% monthly with an 18-month term. The facility included retention for works with systematic release based on RICS surveyor inspections.
Results
Funding completed in 6 days. The conversion created 4 luxury apartments which were sold off-plan during construction. Total sale proceeds of £1.85M delivered a net profit of £520k.
Bristol First-Time Landlord Success
Challenge
A Bristol-based professional wanted to enter the property market with a £280k renovation project. The property needed substantial work before it could be let, ruling out standard BTL mortgages.
Solution
We approved a £280k bridging loan at 0.87% monthly despite the client having no landlord track record. Our assessment focused on their strong income, deposit, and realistic project plan.
Results
Funds released in 5 days. Renovation completed in 6 months with the property now let to professionals at £1,450 monthly. Successfully refinanced onto a standard BTL mortgage at 4.2% with a high street lender.
Liverpool Portfolio Repeat Client
Challenge
A returning client identified 4 terraced houses in Liverpool available as a package deal for £450k. The vendor wanted a quick sale, giving just 3 weeks to complete.
Solution
As a trusted repeat borrower, we fast-tracked approval and provided £450k at our loyalty rate of 0.65% monthly. Minimal paperwork was required thanks to our existing relationship.
Results
Approval in 48 hours, funding in 3 days. All 4 properties were acquired successfully. After light refurbishment, the portfolio generates £3,200 monthly and has been refinanced commercially at 65% LTV.
Edinburgh Semi-Detached Split
Challenge
Developer required £520k to acquire a large semi-detached house in Edinburgh and split it into 2 separate dwellings. The project had planning approval but needed swift execution.
Solution
We structured a £520k development bridge at 0.81% monthly with a 15-month term. Funds were released in stages: acquisition, first fix, second fix, and completion draws.
Results
Initial drawdown in 5 days. Both properties were completed in 12 months and sold for £380k and £365k respectively. The developer netted £185k profit and is now working on a larger project with our continued support.
Leicester First Purchase Student Let
Challenge
First-time investor wanted to acquire a £195k property near Leicester University for student letting. The property needed minor works and high street lenders required too much documentation.
Solution
We approved a £195k bridging loan at 0.89% monthly based on the strong rental projections and client's personal financial strength. Light touch approach suited the straightforward transaction.
Results
Application to completion in 7 days. Minor works completed in 4 weeks, property let to 5 students generating £1,625 monthly. Client refinanced onto a specialist student BTL product after 5 months.
Kent Barn Conversion Project
Challenge
Developer needed £680k to convert a historic barn in rural Kent into a luxury residential property. The unique nature of the project meant mainstream lenders wouldn't engage.
Solution
We provided a £680k development bridge at 0.78% monthly with an 18-month term. Our surveyor had extensive experience with barn conversions and supported the project throughout.
Results
Funding released in 6 days. The barn conversion was completed to an exceptional standard in 16 months. Sold for £1.15M, delivering the developer a £310k profit net of all costs.
Nottingham Multi-Property Acquisition
Challenge
A valued repeat client wanted to acquire 5 properties in Nottingham for £875k as part of a portfolio expansion strategy. Timing was critical to secure the bulk purchase discount.
Solution
We delivered £875k at our preferred client rate of 0.67% monthly with a simplified application process. Our existing knowledge of the client's business allowed for rapid approval.
Results
Approval within 36 hours, funds in 4 days. All 5 properties secured at favorable pricing. After refurbishment, the portfolio yields £5,100 monthly and has been refinanced commercially, releasing £250k equity for future investments.
Brighton Seafront Apartment Development
Challenge
Experienced developer required £1.35M to acquire and convert a Victorian building on Brighton seafront into luxury apartments. The prime location demanded quick action and premium finish.
Solution
We structured a £1.35M facility at 0.74% monthly with 18-month term. The loan covered acquisition and high-spec conversion works, with staged releases aligned to construction phases.
Results
Funding in place within 5 days. The conversion created 6 seafront apartments which sold for a combined £2.4M. Developer achieved £680k profit and has secured finance for their next Brighton project with us.
Sheffield First Development New Build
Challenge
First-time developer needed £420k for a new build project in Sheffield creating 2 semi-detached houses. Despite detailed plans, high street lenders declined due to lack of development track record.
Solution
We provided a £420k development loan at 0.84% monthly based on the strength of the plans and the developer's construction background. Staged drawdowns ensured controlled fund release.
Results
Initial funding in 7 days. Both houses completed in 13 months and sold for £285k each. The developer achieved a £98k net profit on their first project and is now planning a 4-unit development with our backing.
Oxford HMO Portfolio Expansion
Challenge
An established HMO landlord needed £740k to acquire 2 houses in Oxford for conversion to student HMOs. Both properties were being sold by the same vendor with a tight completion deadline.
Solution
Recognizing the client's excellent track record, we approved £740k at 0.68% monthly with minimal due diligence. The loan covered acquisition and conversion costs for both properties.
Results
Approved in 24 hours, funded in 3 days. Both HMOs were converted and fully let within 4 months, generating combined monthly income of £6,400. Refinanced onto a specialist HMO mortgage, releasing equity for the client's next expansion.