All case studies

Two year fixed commercial investment loan for property to be let on a short-term basis whilst planning permission for residential use is refined.

A client’s limited company buy-to-let portfolio faced an expiring facility with a mainstream bank seeking to exit the deal. The high Loan-to-Value (LTV) position, combined with complex tax considerations and Scottish property jurisdiction, meant no viable limited company refinancing options were available in the market. A specialised refinancing strategy was structured to raise replacement funds in the clients' personal names, utilising nine Scottish properties as cross-collateralized security while carefully managing the tax transition.

A client inherited a 40% share in a property portfolio and sought to buy out the remaining 60% equity. Mainstream banks declined the application due to rigid criteria that could not accommodate the complex nature of the buyout transaction. Working alongside the client’s accountant, a long-term strategy was built around borrowing structures, lease management, tax efficiency, and preserving future site development value. A tailored solution was arranged to fit the client's long-term financial plan.

A client needed to refinance a property portfolio to exit an expiring deal. The assets were held within a complex multi-tiered corporate structure. Most lenders refused due to contagion risk between entities, while restructuring ownership threatened heavy tax liabilities. We sourced a specialist lender comfortable underwriting multi-layered corporate structures, preserving the tax position.

Bridge loan agreed at a competitive rate of 3% above BoE base rate by providing a detailed client presentation to the lender.

Bridging loan on commercial office with residential planning. Achieved competitive terms and LTV using its residual residential value rather than its lower value as a commercial office.