Finance for an Investment Involving Multiple Moving Parts

Loan Amount:
£430,000

Property Value:
£1,030,000

LTV:
72%

A property investment that features several elements coming together in quick succession will always make underwriting challenging. One investor required bridging finance for an investment which involved using the funds for multiple plans.

While our funding was to only cover one part of these plans, we still had to ensure the borrower’s other goals and exit strategy were solid.

To ensure this deal was on solid foundations, our underwriter had to comb through the borrower’s details thoroughly.

Going through all the details

Our loan was to be used for a purchase, with long-term plans in the works for the underlying asset. To make sure everything was accounted for, the underwriter gathered all the necessary paperwork. We obtained a schedule of works which broke down exactly how the funds would be utilised.

Seeing that these plans were accounted for, we then turned our attention to the exit strategy. It involved a resale and our underwriter noted this would be more than achievable given the borrower’s experience, robust plans, and healthy financial position. Given all this, we were able to deliver funding.

A complicated industry requires multiple solutions

Refurbishment investment plans can be easy to understand and execute, but they can be delayed where an investors finances aren’t in order. Fortunately, the specialist market is primed to help with these kinds of complications.

At Market Financial Solutions, we have bespoke complex bridging loans, refinancing bridging loans, and second charge bridging loans at the ready. What’s more, we’re always looking to find new ways to better serve our clients, with our new Bridge Fusion product being an example of this.

Our broad range of bridging and specialist BTL loans allow us to comfortably handle many kinds of investment strategies and challenges. We want to hear from property investors who may fear there’s no way forward for their circumstances.

FAQs

Can I use a bridging loan for anything other than buying property?

Yes, you can. Market Financial Solutions supports a wide range of uses beyond purchasing property. You can use them to refinance existing debts or to raise capital for business purposes. The loans can also facilitate working‑capital needs, finance conversions or refurbishments of commercial or residential assets, and fund transactions like auction purchases or companies that own property. We consider a wide range of applicants including complicated company setups, self‑employed individuals, trusts, LLPs, offshore companies and more.

Is resale of the property the only exit strategy you accept?

No, not at all. While the sale of the property is a common exit route, we accept multiple strategies. These include amongst other refinancing with longer‑term finance (e.g. a buy‑to‑let mortgage), cash settlements or development exit strategies. We can customise the loan term (typically 3 – 24 months) and exit plan to suit your needs.

Do you accept foreign national applicants?

Yes. Market Financial Solutions accepts foreign national and expat applicants, including those without a UK credit history or bank account, as long as they are not from a sanctioned or blacklisted country. Loans can be secured via offshore structures, and nationality does not reduce the maximum LTV available.

My case is complex. Will you be able to handle it?

Yes. Market Financial Solutions specialises in complex cases and tailors finance to fit non-standard borrower situations, such as self-employment, adverse credit, multiple properties, trusts, offshore holdings, SPVs, HMOs, holiday lets, and even PEPs or diplomats. Every case benefits from real-human underwriting and stand‑alone assessments with indicative terms being issued within 4 hours.