
Loan Amount:
£3,500,000
Property Value:
£5,000,000
LTV:
70%
Our Bridge Fusion product combines the best elements of our bridging and BTL products. Meaning it was the perfect option for a borrower who required funding to purchase a residential asset that would be tenanted in the coming months.
Still, we needed to move rapidly. The borrower was under pressure from the vendor involved to complete the purchase quickly.
As such, the underwriter involved got to work. They explored the borrower’s details to ensure this deal would be secure, and we could have funding issued asap.
Experience Helps
From the outset, it was clear that this property investor knew what they were doing. They already had a large property portfolio, and were in talks with several banks for their long-term finance exit strategy.
The main challenge concerned the property’s current rental potential. The asset was vacant as it was being purchased, and so would not be income generating for a while.
But, in working closely with the borrower, we determined that they had interest from several potential tenants already, which boded well. Furthermore, we could see that the property was desirable due to supply and demand of rental property in the area. Considering all of this, we delivered Bridge Fusion funding in time for the borrower’s deadline.
Solutions for Looming Opportunities
Moving quickly for BTL investors is crucial in the current market, given the clear need for more stock. Also, with many existing landlords expected to sell up in the coming months, expanding buyers may want to jump on this opportunity while it lasts.
Fortunately, we’re ready for this at Market Financial Solutions. All our deals, spread across every one of our products, is underwritten from day one. We respond to all enquiries within four hours, and we can have bridging finance issued in as little as three days where everything lines up.
Should a BTL selloff emerge following the autumn budget, we will be there to help buyers take advantage.
FAQs
Why was it important for the borrower to combine different property types under one bridging facility?
In today’s property market, investors often hold diverse portfolios spanning residential, buy-to-let, and commercial assets. In this case, the borrower needed to unlock capital tied up in various properties, each with different uses. Many high street lenders struggle to handle multiple asset classes in a single transaction. Our flexible lending criteria and experience in bridging loans meant we could structure one facility covering all the securities, making the process simpler and faster for the borrower.
How do you deliver speed and certainty for multi-property deals like this?
The UK property market moves fast, especially when investors want to capitalise on opportunities before rates change or new regulations come in. We know delays can cost our clients valuable deals. That’s why we start underwriting from day one, so we can identify any potential hurdles immediately. For this case, our experienced team worked efficiently to manage valuations, legals, and due diligence across different asset types – ensuring we met the tight deadline and provided the borrower with the funds they needed on time.
What role does transparency play in portfolio cases?
Transparency becomes even more important when multiple property types and different legal structures are involved. At Market Financial Solutions, we keep all parties – from borrowers to brokers and solicitors – informed at every step. This includes clearly outlining what’s needed for each property, explaining how cross-charges work, and making sure everyone understands the process. Our clear communication means fewer surprises, smoother completions, and stronger relationships with our clients.
How does your approach reflect current market needs for investors?
In a climate of high interest rates and tightening lending criteria from high street lenders, investors need a lender that can adapt and move quickly. Market Financial Solutions provides that alternative. We’re known for our flexible mindset and willingness to look at challenging structures. By combining residential, buy-to-let and commercial assets in a single loan, we helped our client maximise their portfolio’s potential while staying ahead of market pressures.
Further reading:
- Featured Product: Bridge Fusion Loan
- Explainer Video: Bridge Fusion
- Tool: Bridge Fusion Calculator
- Guide: The Complete Bridging Loan Guide
- Blog: What are exit strategies? Everything you need to know
- Blog: Who are British home buyers