Bridge Fusion Premier Finance to Help Streamline a Landlord’s Portfolio

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We say it often but as the market adapts, we adapt with it. We are always looking for new ways to support our brokers and borrowers, and our new Bridge Fusion Premier range for portfolio landlords is a prime example of this.

Say a seasoned landlord approaches us looking for help with tidying up their portfolio. The landlord owns 120 purely residential flats spread across 30 buildings in the North and the Midlands. The total value is £90m, and no single building within the portfolio is worth more than £4m.

The portfolio is currently financed by seven different lenders. The costs across these loans are high, and many are expiring over the coming months. Also, the admin for all this is costly, and the landlord needs additional capital to fund planned EPC upgrades.

For this, we could deliver a £60m Bridge Fusion Premier facility, which would be around 67% LTV on their £90m portfolio. This facility will allow the borrower to pay off their seven existing loans, and we could ringfence part of the funding to go towards the EPC refurbishment efforts.

The Bridge Fusion Premier loan is designed to consolidate larger portfolios in a single facility at a lower annual rate, and so this borrower could save substantial amounts. Even if they only received a modest reduction of 0.75% – 1% on £60m equates to around £450k-£600k per year in savings (not factoring fees).

Having just one loan to manage obviously brings with it simplicity, but our Bridge Fusion Premier product also brings with it a discretionary extension. So long as it worked for their circumstances, the borrower could utilise the 24-month term available to them, with a further 12-month extension, to comfortably handle the refurbishment plans, and focus on their resale exit strategy.

FAQs

What is Bridge Fusion and how does it differ from a standard bridging loan?

Bridge Fusion is Market Financial Solutions’ enhanced bridging solution that allows borrowers to combine multiple requirements – such as refinance, refurbishment, and capital raising – into one seamless facility. It’s ideal for complex portfolios or layered funding needs, where traditional lenders may require separate products. It also offers a slightly longer term than traditional bridging loans as well as affordability tools know from buy-to-let mortgages like rolled and deferred interest and top slicing. Bridge Fusion simplifies the process, provides flexibility across asset types, and ensures funds are deployed efficiently to meet time-sensitive goals.

What is the Bridge Fusion Premier range and who is it designed for?

Bridge Fusion Premier is a bespoke lending product from Market Financial Solutions tailored for portfolio landlords and investors managing assets worth £20 million and above. It enables the consolidation of multiple loans across different lenders into one facility, helping to reduce administrative costs and overall borrowing rates. Bridge Fusion Premier also supports capital raising for improvements, such as EPC upgrades or large-scale refurbishments, while maintaining flexibility on term length and repayment structures.

How can Market Financial Solutions help landlords improve EPC ratings across their portfolios?

We recognise that improving EPC performance is becoming a more prevalent priority. Market Financial Solutions can ringfence funds within a bridging or Bridge Fusion Premier facility to support energy efficiency works, from insulation upgrades to renewable installations. This ensures landlords can futureproof their assets while maintaining liquidity for other investment goals.

Can Market Financial Solutions support large portfolios with mixed property types or locations?

Yes. We’re highly experienced in managing complex, multi-property cases across both residential and commercial assets. Our in-house underwriting team reviews every case from day one, meaning we can tailor facilities that reflect the true value and income potential of a portfolio – not just rigid criteria or geographic boundaries.

What are the key advantages of working with Market Financial Solutions for portfolio finance?

Speed, flexibility, and real-world decision-making. Unlike high street lenders, we take a hands-on approach, offering bespoke facilities up to £60m or more. We deliver quick decisions, no automatic rejections, and direct access to decision-makers – helping brokers and borrowers act decisively in changing market conditions.

How can brokers benefit from introducing clients to Market Financial Solutions?

Brokers working with us gain access to exclusively tailored lending products, rapid case updates, and a dedicated relationship team. We’re committed to transparency, and long-term partnerships – ensuring every client receives a solution that fits both their short-term needs and long-term investment strategy.