£4.2 Million Bridge to Let Loan for Portfolio Expansion

Client: UK-Based Property Investor
Property Value: Circa £6,000,000
Loan Amount: Approximately £4,200,000
Loan Type: Bridge to Let Loan

Global Bridging Finance was approached by a property investor seeking short-term finance to acquire and refurbish multiple residential units within a prime London borough. The total property value was around £6 million, and the client required a bridging loan of approximately £4.2 million to complete the acquisition quickly, ahead of other competing buyers.

The investor’s strategy was to refurbish the units and transition them onto long-term buy-to-let mortgages once renovations were complete. However, their existing capital was tied up in ongoing projects, making traditional mortgage financing an unviable option due to lengthy approval times.

We immediately assessed the client’s portfolio and funding requirements, and within 24 hours presented indicative bridging terms. Leveraging our network of specialist lenders experienced in time-sensitive investment finance, we secured a facility at around 70% loan-to-value. The loan allowed the client to proceed without delays while maintaining flexibility for future refinancing into long-term buy-to-let arrangements.

Valuations and legal documentation were managed concurrently, ensuring all requirements were completed on an accelerated schedule. Funds were released within three weeks of the initial enquiry, allowing the client to acquire the properties and commence refurbishment promptly.

This case highlights Global Bridging Finance’s expertise in delivering bespoke, high-value bridging loans that enable property investors to act quickly and strategically. By combining market knowledge, lender relationships, and structured funding solutions, we enabled the client to efficiently expand its portfolio with minimal risk.