£1.8 Million Quick Bridging Loan to Secure Time-Sensitive Residential Purchase

The Scenario

The client identified a prime residential property in an affluent London postcode, offered at a competitive price due to the vendor's requirement for a rapid completion. The opportunity presented strong long-term capital appreciation potential, but the seller required exchange within 7 days and completion within 14 days.

The client had substantial assets and an agreed mortgage in principle; however, the traditional lender’s underwriting and valuation timeline would not meet the required completion deadline. Delays would have resulted in the property being remarketed.

The Challenge

Speed was critical. The transaction required:

• Immediate credit approval
• Expedited valuation
• Coordinated legal processes
• Certainty of funds within two weeks

Additionally, the property required minor modernisation, which further limited mainstream lender appetite in the initial stages.

The Solution

We structured a £1.8 million quick bridging loan at circa 65% loan-to-value, secured against the subject property.

Our team coordinated with valuers and solicitors simultaneously to compress the transaction timeline. Due diligence and underwriting were prioritised, enabling formal approval within 48 hours. Funds were released within 12 working days of initial instruction.

The loan was structured on a 9-month term, providing sufficient flexibility for the client to complete light refurbishment works and refinance onto a longer-term mortgage facility once the property condition met mainstream lending criteria.

The Outcome

The client successfully secured the property ahead of competing buyers, avoiding the risk of renegotiation. The short-term facility provided certainty and speed, while preserving liquidity across the wider portfolio.

With refinancing already in progress, the bridging loan delivered precisely what was required: a fast, reliable funding solution aligned with a clearly defined exit strategy.