Helping an Investor Meet a Tight Deadline Less Than a Week Away

Loan Amount:
£5,900,000

Property Value:
£8,200,000

LTV:
72%

Sometimes, in a deal, everything can come together at one time to create some real pressure for the borrower. This can also add pressure on our underwriters, but it can lead to some amazing results. The underwriter for this deal managed to get everything wrapped up within 6 days.

Speed is one of our key selling points here at Market Financial Solutions, which is why this broker approached us. They had a borrower who required refinancing imminently to meet a strict deadline on an existing facility.

Time was of the essence, and our underwriter got to work immediately.

Time management at its finest

The investment was sound. As the property was a prime asset, and the borrower had plenty of investment experience, there were few issues to iron out. Also, the borrower held other assets in their portfolio that could support their plans if anything went wrong down the line.

It was the turnaround time that presented the main challenge. Even for an ideal case, delivering funding in less than a week would be tricky.

But, the underwriter on this case relished the challenge. On top of utilising our existing suite of underwriting tools, they also reorganised their workflow to ensure enough time could be dedicated to this case. They also made themself available to the broker out-of-hours just to keep on top of everything.

Through this dedication, we managed to turn this case around rapidly, and allowed the borrower to hit their deadline.

We can keep up with the market

Property investors may want to move especially quickly over the coming weeks and months. The government has warned that taxes will have to rise, and many landlords are already selling up ahead of this.

This may create a short window of opportunity for expanding investors, however. As landlords sell, buyers may be able to lock in bargains in commuter towns, rural locations, and more.

Evidently, we’ll be able to keep up with this. Even it means we need to move things around to keep on track.

FAQs

How did you help the borrower refinance their portfolio?

With interest rates fluctuating and stricter affordability rules from high street lenders, refinancing can be more challenging than ever. In this scenario, the borrower needed to release equity across both residential and buy-to-let properties to fund new investment opportunities. We recognised the urgency and started assessing the portfolio immediately. By acting fast, we provided the client with certainty that they could secure the funds they needed without missing their next opportunity.

Why was a tailored approach so important?

Every borrower’s circumstances are different – especially when multiple properties and income streams are involved. Rather than applying a rigid, one-size-fits-all approach, we listened to the borrower’s objectives and structured a bridging loan that worked for their unique situation. This meant looking at the bigger picture, understanding their exit strategy, and setting up the loan so they could move forward smoothly. Our willingness to adapt is a big part of why brokers and clients come to Market Financial Solutions time and again.

How do you maintain clear communication with portfolio clients?

When different property types and refinancing goals are in play, things can quickly become complicated. That’s why we prioritise transparency at every stage. We make sure our clients know exactly what’s needed from the outset – from valuations to legal checks – so they feel informed and supported throughout. Our dedicated underwriters share updates and stay accessible throughout the process. This can give clients the confidence that there won’t be any hidden roadblocks down the line.

What is your role in the current lending landscape?

In an environment where high street lenders are becoming more cautious, bridging lenders like Market Financial Solutions provide vital flexibility for property investors. This case shows our ability to combine residential and buy-to-let refinancing under one facility, while acting quickly. This helps clients navigate an uncertain market. When we commit to funding, we do so with a genuine understanding of our clients’ goals and the trust that we’ll deliver.