Second and Third Charge Bridging Loans Secured to Release Capital from Portfolio

• Client: UK-Based High-Net-Worth Individual
• Combined Property Value: Circa £12,000,000
• Loan Amount: Circa £3,400,000
• Purpose: Capital Raise Across Multiple Properties

Global Bridging Finance recently arranged a combined second and third charge bridging facility totalling £3.4 million for a high-net-worth individual with a diverse UK property portfolio. The client required immediate access to capital to fund a private equity investment, with a strict deadline for participation.

Several of the client’s assets already had first-charge mortgages in place, and refinancing them fully would have triggered early repayment charges and disrupted the favourable existing terms. To avoid this, we structured the facility across two separate properties using a second charge on one and a third charge on the other.

This type of structuring requires a lender willing to work with multiple layers of existing debt and accept a more nuanced view of the client’s equity position and repayment strategy. Leveraging our in-depth knowledge of the bridging market and long-standing relationships with specialist lenders, we identified a provider comfortable with the added complexity.

We delivered indicative terms within 48 hours, with full credit approval secured shortly after. Through coordinated legal and valuation processes, the funds were released in just over two weeks, well within the client's investment deadline.

This case demonstrates our ability to structure advanced bridging facilities beyond first charges. By applying a tailored, portfolio-wide approach, we helped the client preserve existing finance arrangements while unlocking significant capital quickly and efficiently.