Showcasing the latest successful transactions in the specialist finance market
“OUR APPROACH FOCUSES ON TELLING THE STORY OF THE DEAL, NOT JUST PRESENTING
THE NUMBERS”
Market Financial Solutions
DEAL OF THE MONTH
Our market is primed to offer support to seasoned brokers and new entrants alike. Take this scenario: a broker, who had never worked with bespoke finance before, was supporting an experienced property investor looking to purchase a mixed-use property at auction, valued at £1.7m. The borrower needs a loan quickly to complete within 28 days. The exit strategy revolves around refurbishing the property and refinancing it onto a long-term mortgage within 12 months.
The broker, who was initially hesitant to turn to bridging finance, submitted the case to a mainstream provider with only basic information: the auction legal pack, a valuation request, and a short note stating “refinance on completion of works” as the exit. With no refurbishment schedule, costings, or evidence of local demand or market viability, the original provider declines the deal. They cite an unclear exit strategy and insufficient supporting information. With completion deadlines approaching and pressure mounting, the broker turns to us for support.
Fortunately, our underwriters are ex-
perts at helping brokers structure deals to ensure funding can be delivered efficiently. Our underwriter immediately arranges a call to break down what’s required to strengthen the submission. Specifically, we request a clear schedule of works, an analysis of comparable rents and demand data in the local area, and evidence of viable refinancing options post-refurbishment.
Once this information is provided, we work closely with the broker to model the refinance using conservative post-works values and rental assumptions, something the broker likely hadn’t considered. Our approach focuses on telling the story of the deal, not just presenting the numbers. With all parties aligned, we approve a £1.05m bridging loan at 63% LTV, on a 12-month term, with interest rolled up. Funding is delivered in just over two weeks, enabling the broker to meet the auction deadline.
developer exit loan £1.4m
Octane Capital has recently completed a £1.4m developer exit loan secured against three recently built residential homes in a desirable South Coast location.
The facility enabled the developer to refinance their existing debt—both the development lender and private investors—and gave them more time to market and sell the units without pressure.
The development was originally five high-quality chalet-style homes, ranging from two-storey houses to a detached bungalow. Two units had
already been sold, proving strong sales traction. The remaining homes were being actively marketed— at slightly reduced prices —with serious buyer interest already noted.
The facility was originated and managed by Richard Deacon, managing director of sales, and underwritten by Rick Hollingsworth, head of short-term credit. The
valuation was provided by Capital Value Surveyors, and legal support was handled by Lansdowne Law.
Richard commented:
“Whilst there are many lenders in the market for clean developer exit deals like this one, few can offer bespoke fees and pricing like Octane can. Our fees are entirely malleable; we work with our brokers and our borrowers to structure deals which work for them. Similarly, our rates are flexible, and we can often offer bespoke pricing for larger loans.
This deal was relatively straightforward in that the units were finished, with building control sign-off and warranties held. That said, we have a strong appetite to lend on sites before they reach practical completion, which is a core part of our developer exit proposition.”
Loan structure:
Term: 12 Months
LTV: 75%
Interest: 0.72% per month (BBR linked), with interest rolled
Day-one net release: £1.27m
Fees: 0.6% arrangement fee, no exit fees
Richard Deacon
Eight Day Completion
Loan size: £450,000
Loan term: Nine months
LTV: 75%
Reason for loan: Funding to secure the purchase of a detached residential property on the open market.
Location: Southampton
Exit plan: Retain and refinance the asset as repayment.
Time to fund: Eight days
Broker/Borrower/Relevant parties:
Relationship manager Daniel Smith, Underwriter Sam Bryce, Processor Conor Harris
When Mason Ward of Tiger Financial introduced this new client to MS Lending Group, the brief was simple: secure funding quickly for an open market purchase. The client was buying a detached residential property for £600,000, and we provided £450,000 (gross) at 75% LTV, supported by a desktop valuation with a two-day turnaround.
The property has recently been developed by the seller, with planning permission and warranties all in place, so there are no works required during our term. Once the purchase completes, the client plans to rent the property, then refinance onto a longer-term BTL facility and hold it as a long-term investment.
This is our bread and butter at MS Lending Group: fast decisions, flexible terms, and reliable bridging finance that helps clients secure property opportunities without delay.
Mason Ward commented:“This was actually my first deal with MS Lending Group. Brought it to them as I knew they could do a desktop valuation, which was important to get this done quickly, and Daniel made me believe they could do it in time. Sometimes sales teams are energetic, but then the underwriting process can be lethargic – that wasn’t the case on this deal. There was no disconnect between sales and underwriting. Conor was always available, and Sam came back with answers quickly. All in all: Daniel sold me, and the team delivered! Oh, and the speed of delivery secured me a new client as the seller was so impressed.”
Together
DEAL OF THE MONTH
Loan size: £7.9m
Loan type: Commercial term
Loan term: 12 years
LTV: 75% purchase price
Reason for loan: Time-sensitive purchase of an office block
General transaction details:
Broker GDP Funding Ltd approached Together to help them meet their corporate client’s tight timescales to purchase an office block in Scotland. The deal would need to be leveraged against the full market value, complete before the calendar year end, utilise a non-standard repayment structure, and require a Heter Iska agreement.
Senior underwriter Emma Goodyear quickly conducted a high-level cash flow analysis of the partially let property and engaged with several key departments within Together to ensure that the unusual request could be accepted and supported within the timeframe. Emma liaised with the broker and external Scottish lawyers to ensure a timely completion, allowing the client to avoid additional penalties from breaching their purchase contract.
Paul Wilcox, co-founder at GDP Funding, commented:
“My client required a very quick turnaround to complete the purchase prior to year-end, which other lenders were unable to meet given the time of year and was understandably concerned that the whole deal could fall through. Emma and the team at Together worked tirelessly and diligently to make sure that didn’t happen, working with us to quickly iron out any issues. Along with the funding, they provided clarity, communication and assurance at every step.”
35 new homes_York3.png
Emma Goodyear commented:
“Not only did this deal require a very tight turnaround, but it also required an acute understanding of Scottish property, business and legal practices to ensure that it was structured in the right way for the client. Together works with brokers and clients throughout the UK, so we’ve got the experience and expertise needed to streamline these processes, allowing us to tackle other challenges and deliver funding at speed.”
Emma Goodyear
The £5.16m
deal that made the difference
Sometimes in property finance, timing really is everything. Just ask the established construction group that found itself in a tight spot when it identified the perfect headquarters for its growing business.
The property in question? A prime commercial office building in South London, spread across five floors of high-quality space. The price tag was £8.3m, and while the client had the financial muscle to back the purchase, they had just one problem: a hard two-month deadline to complete or lose the deal entirely.
This is where bridging finance proves its worth. The client needed £5.16m at 62% LTV, structured on serviced interest terms to maximise their net advance while they arranged longer-term financing with a high street lender.
What made this deal move quickly wasn’t just the client’s strong credentials: over twenty years in business, substantial accounts, and a healthy property portfolio. It was West One’s ability to see past the complexity and tight timescales that would make other lenders hesitate. A senior underwriter with deep knowledge of London’s commercial property landscape led the assessment, understanding both the strategic
value of the asset and the urgency of the situation.
Tom Cantor
The deal was comfortably completed within that critical two-month window from the initial application. The construction group secured their new headquarters without disrupting its working capital, and it’s now progressing with its preferred long-term facility.
It’s the kind of substantial deal that demonstrates what’s possible when you have a lender who can move with confidence, speed, and who provides surety of finance. And right now, deals like this one aren’t just good business, they could also be your ticket to New York this summer!
Until 10 April 2026, every big bridging application of £750,000 or more that you return to West One earns entries to win a trip to the world’s biggest football tournament. The grand prize includes return flights to New York, three nights’ accommodation, and tickets to see England take on Panama at the MetLife Stadium on 27 June. Deals between £750,000 and £1.99m earn one entry, while deals of £2m or more earn double entries.
Your big deals are a big deal to us. And this particular office block deal? That would have earned two entries toward the New York prize draw.
The Ask
A broker came to us with a client who’d inherited an uninhabitable property requiring a full refurbishment, along with a rear extension and a two-storey side extension.
Planning was already in place, and the works would increase the square footage by over 33%. The property’s current value was £525,000 with a GDV of £750,000. The client needed £210,000, structured across two drawdowns and an exit via sale. The contractors were lined up and ready to start, and we had a maximum of three weeks to deliver the funds.
The Challenge
Timing was the biggest risk as the enquiry landed during a busy period when valuations can easily take over two weeks. To make the deadline, we needed everyone aligned from day one, with the valuer, Monitoring Surveyor, and solicitor ready to move quickly.
The main hold-up was the client’s solicitor going quiet for nearly two weeks after instruction, which naturally
raised concerns for everyone involved and put the timeline under pressure.
Emmanuel Johnson
The Fix
We kept the case moving regardless, issuing full credit-backed terms the same day the enquiry landed and instructing the valuation immediately. Whilst legals were turned around within 48 hours. Three days before the client’s deadline, we provided a £210,000 regulated development loan (with x2 drawdowns) at 38% LTGDV and 13.08% per annum.
The Benefit
The client could start the works as planned, with peace of mind that the funding would land on time and with daily updates direct to the client, we kept everyone confident and informed throughout.
Loan size: £210,000
LTV and/or GDV: 33% LTGDV
Reason for the loan/loan use:
Full refurbishment + rear and two-storey side extension.
Exit plan: via sale
Time taken to complete: 18 days
Rate: 13.08% per annum
Leasehold flat in Basildon, Essex
The property is a four-bedroom maisonette with one bathroom, 95 square metres of floor space, a private garden with off-street parking, which has recently been renovated. The property is not far from the train station with good transport links to London.
The borrower is an experienced landlord who purchased the property at auction to add to their portfolio. It requires light refurbishment, which they’re self-funding.
Feedback from borrower Mrs Endurance Michael commented:
“I recently completed a bridge loan application with Black and White, and the experience was excellent from start to finish. The team was very helpful, easy to communicate with, and quick to resolve any concerns I had. Suze, in particular, provided outstanding support throughout
Loan size: £153,000 Rate: 0.89%
Loan term: 12 months
LTV and/or GDV: LTV 75%
Exit plan: Refinance
Reason for the loan/loan use: Purchasing an asset at auction
the process. Everything was completed in less than two weeks, which was incredibly efficient. On top of that, their interest rate was fantastic, easily among the top five best rates in the market. I highly recommend Black and White for their professionalism, speed, and competitive rates.”
Time taken to complete: 37 working days. From 23rd October to completion on 12th December Broker/borrower, or any relevant parties involved: Broker, Salman Buksh
£2.63m development
funding for complex ground-up scheme in Cambridgeshire
Avamore Capital successfully completed a £2.63m development finance facility to support a complex ground-up residential development in Cambridgeshire, underlining its pragmatic and experience-led approach to specialist development lending.
The transaction supported an experienced residential developer with five completed ground-up schemes, undertaking their largest project to date. The development, located in Cambridgeshire, comprises eight detached houses, including six four-bedroom homes and two three-bedroom homes. All units benefit from private driveways or car ports and rear gardens, delivering high-quality family housing to the local market.
The funding structure incorporated a deferred purchase price arrangement, with staged payments to the vendor and the construction of a ninth unit for the landowner. This ninth unit sat outside Avamore Capital’s security and was not included within the funded build costs. In addition, the scheme’s Gross Development Value was revised lower than originally anticipated, placing pressure on the overall financial metrics and significantly reducing lender appetite.
Avamore Capital adopted a flexible and solutions-focused approach to address these challenges. The team required clear evidence that the borrower could independently cashflow the construction of the vendor’s unit and undertook a detailed assessment of the sponsor’s experience and delivery track record. Senior
development funding was structured alongside a mezzanine finance provider to support the overall capital stack, while a pragmatic view was taken on contingency levels in light of the borrower’s proven capability.
Avamore also supported the borrower in introducing an investor specifically to fund the ninth unit, ensuring sufficient liquidity and mitigating the absence of security over that element of the scheme. This approach enabled Avamore to provide 100% of the development funding required, allowing the transaction to proceed despite its non-standard structure.
As a result, the borrower completed the site acquisition on time, avoided the risk of the deal falling through, and was able to progress the development as planned. The completed funding structure delivered a total loan of £2,627,368 against a total project cost of £3,033,648.
Adam Butler, director of sales and marketing
at Avamore Capital, commented:
“This was a highly structured and complex development, involving a deferred purchase price and a non-standard security position that many lenders would struggle to support. By focusing on the borrower’s experience, real cashflow strength and the fundamentals of the scheme, we were able to take a pragmatic view and deliver a funding solution that worked for all parties.”
Adam Butler
£1.9m commercial bridging loan in nine days
Roma Finance successfully completed a £1.9m bridging loan in just nine days, enabling the swift purchase of a 10-floor office complex in the heart of Stockport. The property, acquired below market value for £2.55m, comprises nine floors and is currently leased to a major corporate tenant, generating strong rental income for the borrower.
Strategically positioned in a prime commercial area, the property has a current market value of £3.8m, presenting substantial upside and long-term investment potential. Stockport, part of Greater Manchester, is undergoing significant regeneration, with
expanding transport links, including integration into the Manchester tram network, making it an increasingly attractive hub for businesses and investors alike.
The borrower, an experienced investor with a portfolio of 21 properties, identified this strategic opportunity with Stockport’s strong rental yields and long-term capital growth prospects. The acquisition is expected to be self-sustaining and highly profitable, with an estimated annual income of £860,000 for the entire building.
Speed was critical to securing the property at the discounted price. Known for agility and reliability, Roma Finance acted swiftly, delivering funding in just nine days. James Edwards, underwriting team leader at Roma Finance, led the case and commented:
“This was a standout case: clear strategy, strong borrower profile, and a property with exceptional potential. Our team worked closely with all parties to deliver within the tight timeframe, and we’re proud to have enabled another great investment.”
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