A HNW Individual Needs Funding for Two Very Different Investments

Loan Amount:
£9,625,000

Property Value:
£13,785,000

LTV:
65%

A broker representing a client with vast amounts of property experience reached out to us to help with a complicated case. The client wanted to expand his portfolio, consisting of multiple properties throughout London with the help of a bridging loan.

The investment consisted of a number of new properties, each having separate setups and end goals, with a mix of both commercial and residential units. All of the properties were in prime London locations. Given the different types of property, attention to detail was paramount to ensure everything ran smoothly. We were also facing pressure from tight deadlines being put on the borrower.

Overcoming refurbishment problems to stick to tight deadlines

Our underwriter got to work. One of the properties was a fully commercial property, but it had plenty of promise and there had already been interest from businesses looking to utilise the space.

Another was a residential property which was being upgraded. We knew by examining the market, and working with our trusted valuers, that there would be demand for the property once the upgrades had been completed. Whilst there was a mix of residential and commercial properties across all of the new purchases, each was strong, with either businesses or tenants already interested, or a clear desirability for that type of property, as highlighted by the valuers.

We recognise there’s opportunity out there and help investors take advantage of it

No matter how experienced a client may be, there is always the chance unforeseen issues will arise. We always keep this in mind, ensuring we prioritise adaptability. Unlike high street lenders, we take complications in stride and try to find reasons to lend, as opposed to looking for excuses not to.

We look beyond a client’s background too. We know there’s plenty of demand for both commercial and residential property. As the world continues to open, businesses will be desperate to utilise any space they can for expansion plans. Additionally, workers are likely keen to find decent rental opportunities as they flock back to their city offices.

Where investors also spot these opportunities, we’re happy to help them reach their goals. We offer plenty of potential bridging products for commercial investors including commercial loans, developer exit bridging loans and permitted & light development loans. We can also provide loans and specialised mortgages for buy-to-let investors. To get to grips with of our options, please visit our product pages.

FAQs

Why do high-net-worth individuals often turn to bridging finance, even when they have substantial assets?

It’s a common misconception that HNW individuals don’t need short-term funding. In reality, they often have significant wealth tied up in property or investments that can’t be liquidated immediately. In this case, the borrower needed to release capital quickly for a time-sensitive opportunity. Market Financial Solutions provided the speed and certainty that a high street lender would have struggled with, helping the client unlock their equity without disrupting their wider portfolio.

How did you handle this client’s unique circumstances?

Every high-net-worth borrower’s situation is different, from complex income streams to high-value assets that need careful structuring. We began underwriting from day one, working closely with the client’s advisers to ensure all the details were considered upfront. By doing so, we delivered a tailored facility that gave the borrower the funds they needed on time.

What makes Market Financial Solutions different regarding larger or more bespoke bridging loans?

Many lenders rely on rigid tick-box criteria that don’t suit borrowers with multiple assets, investments abroad, or diverse income. At Market Financial Solutions, we take a flexible approach to enable investors to realise their investment plans. For this deal, we looked at the client’s assets, exit plan, and future refinancing strategy – so the facility genuinely worked for their situation. This adaptability is what keeps us ahead in the bridging finance market.

How does do you ensure transparency with HNW clients?

Trust is vital when significant sums are involved. We make our process clear from the first conversation: what information is needed, what fees apply, and what timelines to expect. Throughout the deal, the broker and client have direct access to a dedicated underwriter working on their case. That means communication channels are short. We keep them informed abou tthe progress at each step so everyone knows what the current state of affairs is. This transparency helps our clients plan their next moves with confidence, and it’s why so many come back to Market Financial Solutions when they need bridging finance.