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Client settles bridging and raises capital for onward project on 3 adjacent properties

A complex buy-to-let case study


The client had purchased five terraced properties adjacent to each other, using bridging finance and had completed extensive works to improve the properties for the rental market. The client was looking to remortgage three of the properties to repay the bridging finance, whilst raising additional capital for the next development project




The properties were purchased in the client’s personal name and, as a higher rate taxpayer, this was having an effect on the rental stress used by lenders when calculating the maximum borrowing available. In addition, the client needed a lender that would consider lending to a portfolio landlord on three adjacent properties.



Working with our lender panel we were able to achieve a 5 year-fixed rate at 3.34% which allowed borrowing to 65% of the current market value and the applications completed within six weeks.


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