LAUNCHPAD LOGIN
info@siriusfinance.co.uk
020 8092 4444
LAUNCHPAD LOGIN

£300,000 Mixed-use property investment

Loan Amount: £300,000
Structure: Semi Commercial Loan
Asset Class: Commercial Finance

Richard Crook recently secured £300,000 for a mixed-use property investment, funded at 41% LTV.

The case highlighted the lender’s flexible approach – there were a number of leases here and lender was able to take a view on one that was expiring. They also waived the need for a damp survey – and allowed time, post-completion, for Fire Risk Assessment works.

The deal completed in just eight weeks from start to finish, with a fixed rate of 8.39% over five years. Richard received excellent feedback from the client for his proactive support and expertise throughout the process.

£810,000 Commercial Investment Loan for an Industrial Property

Loan Amount: £810,000
Structure: Commercial Investment Loan
Asset Class: Commercial Finance

Rob Collins, supported by Harri Williams, successfully arranged £810,000 in commercial investment finance for the acquisition of an industrial property. The facility was structured as a 5-year fixed-rate loan at 8.27%, with funding provided at 60% of the purchase price and 90% of the Vacant Possession (VP) value.

The client was acquiring the industrial asset not only for its immediate rental yield, but also with a view to future improvements and potential development opportunities. The transaction was time-sensitive, requiring an efficient funding solution to meet the tight completion deadline.

Initially, finance had been agreed with a lender under favourable terms. However, complications arose during the valuation process. It was revealed that several structures on the site were temporary in nature, which fell outside the lender’s acceptable criteria and breached their policy. Further challenges emerged when the VP value was assessed significantly lower than the market value, materially affecting the proposed lending structure.

As a result, the original lender withdrew their offer, putting the transaction at risk.

Thanks to strong and responsive relationships with alternative lenders, Rob was able to secure a new funding solution quickly, structuring the facility at 90% of the revised VP valuation. Importantly, they were able to negotiate the reuse of a rewritten version of the original valuation report, which proved pivotal in avoiding unnecessary delays and additional costs for the client.

This proactive and agile approach allowed the team to rescue the deal, ensure timely completion, and provide the client with the financial support required to proceed with the purchase as planned.

£660,000 Investment loan for multi-unit freehold block of 10 flats

Loan Amount: £660,000
Structure: Investment Loan
Asset Class: Investment Finance

Mark Wadmore, assisted by Rachel Smith, successfully arranged a £660,000 1st charge investment term loan in the client’s personal name, secured against a multi-unit freehold block of 10 flats in Newport, South Wales. The loan was structured at 75% LTV with a rate of 6.74%.

The client approached Sirius seeking finance to let the entire building on a corporate lease to a company providing supported accommodation for service users with mental health needs. However, their existing lender did not permit this type of letting arrangement, prompting the need for a new funding solution.

While the transaction was not completed quickly due to legal complexities, including a down valuation and detailed lease negotiations between the landlord and incoming tenant, the team worked diligently to overcome these challenges and deliver the required finance.

£2.2 Million commercial investment loan

Loan Amount: £2,200,000
Structure: Investment Loan
Asset Class: Commercial Finance

Rob Collins, Rob Heywood, and Billie Cox recently completed a time-critical £2.2m refinance on a newly refurbished office block, enabling the client to exit a bridging loan just in time to avoid a costly renewal fee. The urgency was heightened after a previous lender unexpectedly withdrew late in the process, putting the client under significant pressure.

Adding to the complexity was the lease structure of the building’s anchor tenant, whose rent was not fixed but instead linked to profitability. This variable income model was a sticking point for many commercial lenders, making it difficult to find a funding partner willing to proceed.

Undeterred, the team identified a lender that understood the asset and was comfortable with the unique lease arrangement. They successfully structured a 75% LTV facility on a 5-year fixed rate of 6.94%, with legal work turned around in just one week – an exceptional timeframe in commercial property finance.

The team not only delivered the refinance under immense time pressure but also saved the client from incurring significant renewal costs – providing both financial relief and long-term stability.

£2.4 Million commercial and residential investment loan

Loan Amount: £2,400,000
Structure: Investment Loan
Asset Class: Commercial Finance

Rob Collins, Rob Heywood, and Billie Cox recently delivered a successful £2.4m refinance for a client with a diverse property portfolio, consisting of a commercial investment (a restaurant and wine bar) and four residential houses. The refinance was essential to exit a private bridging loan and transition the client onto a stable, long-term investment facility.

What made this deal particularly challenging was the fact that the borrowing company had previously been through an administration process – a red flag that led many lenders to decline the case outright. However, by taking the time to fully understand the background of the administration and demonstrating the strength of the underlying assets, the team were able to present a compelling case to the right lender.

The result was a well-structured, dual-element loan at 75% LTV, featuring a 5-year fixed rate of 6.94% on the commercial property and a 2-year fixed rate of 3.69% on the residential element. The collaborative approach and in-depth understanding of both the borrower’s needs and the lender’s criteria enabled the team to overcome significant obstacles and successfully complete the refinance – giving the client a much-needed long-term solution and financial peace of mind.

£537,000 Refinance of a bridging facility

Loan Amount: £537,000
Structure: Refinance
Asset Class: Structured Finance

Richard Crook recently completed a complex and time-sensitive refinance in Lytham St Annes, securing a £537k loan against a £1m property that included both a holiday let and the owner’s main residence. The deal was arranged to exit an existing bridging facility and move the client onto a more sustainable long-term solution.

Several challenges had to be overcome to get the deal over the line. The property had mixed C3 and C2 planning use, which made it difficult for many lenders to assess and value consistently. In addition, the borrower was 76 years old – a factor that can often limit lender appetite due to age restrictions. At the time of application, only one of the three planned holiday letting units was completed and ready to let, with the remaining two still undergoing refurbishment – further complicating the income and affordability assessment.

Despite these hurdles, Richard worked closely with Market Harborough Building Society, who took a flexible and pragmatic approach to both the borrower’s circumstances and the property’s unique setup. The lender moved quickly and collaboratively, issuing terms and completing the refinance within just six weeks from DIP. The result was a well-structured refinance at a strong 53% LTV, allowing the borrower to exit their bridging loan and continue with the development of the holiday let business.

£1,500,000 Bridging Loan for a 16-bed HMO

Loan Amount: £1,500,000
Structure: Bridging Loan
Asset Class: Structured Finance

Oliver Eastgate successfully arranged a £1.5 million bridging loan on a 16-bed HMO at 63.83% LTV. The facility was secured at a competitive rate of 0.75% and completed in just 19 working days.

The finance was required to support the client’s business cash flow, but the deal came with a number of complexities. The initial valuation came in significantly lower than expected, which posed a challenge. However, Oliver worked closely with the valuer to reassess the property and successfully overturned the original decision – achieving a value that allowed the funding to proceed.

In addition, the property’s status as a large HMO and the borrower’s age – above the maximum limit for many lenders – added further layers of complexity. Despite this, Oliver navigated the obstacles and delivered a fast, tailored solution.

This case is a strong example of Sirius’s ability to handle complex bridging finance, particularly in specialist property types like HMOs, and deliver under pressure with speed and precision.

£1,350,000 Refurbishment Loan for Grade I Listed Residential Property

Loan Amount: £1,350,000
Structure: Refurbishment Loan
Asset Class: Structured Finance

Andy Jacovou and Tamzin Whitworth secured a £1,350,000 refurbishment loan for a borrower undertaking major renovations on a Grade I listed residential property, including outbuildings and a planned change of use to hospitality. The loan was agreed at a sub-50% LTV and a rate of 0.90% per month, with completion achieved in under three weeks from receipt of the valuation and cost undertaking.

The borrower had been self-funding the project but required urgent support to continue works and pay the contractor – particularly with the opportunity to purchase additional land and a nearby cottage. With the contractor threatening to walk off site, timely completion was critical.

Despite the complexities involved – including the listed status of the property, a proposed change of use, and a request to shift the facility from a standard bridge to a stage-released structure – the rate was maintained, and the lender remained supportive.

There were also last-minute issues around the property title and concerns over prior consent for some of the renovation works. Sirius worked closely with the lender and solicitor to find a practical way forward, enabling completion within the required timeframe and ensuring the project could continue without disruption.

£1,015,000 Residential Bridging Loan

Loan Amount: £1,015,000
Structure: Residential Bridging Loan
Asset Class: Structured Finance

Brokers Andy Jacovou and Oliver Eastgate arranged a £1,015,000 residential bridging loan to help their client refinance an existing facility under urgent time constraints. The borrower had originally intended to transition to a buy-to-let mortgage; however, a significant down-valuation on the rental income meant the BTL application could not proceed. With the original lender unwilling to extend terms and penalties looming, fast action was required.

The team structured a 2-year bridging facility at 70% LTV and a highly competitive rate of 0.89%. From application to formal offer, the loan was agreed in just six working days, including valuation.

Despite the property being in a rural location and producing a relatively low rental yield, the deal was successfully completed thanks to the bespoke structure. The facility not only avoided penalties but also reduced the client’s monthly payments by over £2,500, significantly improving liquidity.

Importantly, the loan comes with no early repayment charges, giving the borrower maximum flexibility. Over the next two years, they have the option to reduce the debt and refinance, or sell the property if market conditions improve. A tenant has already shown interest in purchasing the property, but the timing is not yet right.

£2.6M Commercial Investment Stabilisation Loan

Loan Amount: £2.6M
Structure: Commercial Investment Stabilisation Loan
Asset Class: Commercial Finance

Rob Collins and Billie Cox arranged a £2.6m commercial investment stabilisation loan to support clients with a substantial food wholesale business and a portfolio of commercial properties. The funding was required to refinance a range of existing business facilities during a period of operational transition, pending a full review of the clients’ overall funding strategy.

The case involved a number of complexities. The business was undergoing a significant restructure, which included the sale of non-core assets. In addition, the clients had a challenging credit profile, with several adverse markers such as CCJs, missed payments, and the presence of a liquidated company in their background. These factors effectively ruled out all mainstream lending options.

As a solution, a flexible commercial investment stabilisation loan was secured at 45% LTV and a rate of Base + 6.25%. The loan was structured as a serviced facility with no early repayment penalties, offering breathing room while improving monthly cash flow. This arrangement gives the clients the flexibility to refinance at a later stage, once their business profile has been cleaned up and repositioned for more traditional funding avenues.

£64,500 Limited Company BTL Remortgage

Loan Amount: £64,500
Structure: Limited Company BTL Remortgage
Asset Class: Residential Mortgages

Hazel Jasper successfully brokered a £64,500 limited company buy-to-let mortgage for expat clients purchasing their first investment property in the UK. This case presented several layers of complexity: the applicants were first-time buyers, first-time landlords, and non-UK residents, purchasing through a limited company structure. Additionally, they did not own a main residence – factors that collectively narrowed the field of eligible lenders, as many providers are unwilling to lend under such circumstances.

Despite these challenges, Hazel was able to navigate the limited lending market and secure a mortgage at 75% loan-to-value with a rate of 6.54%, tailored to the client’s unique profile and investment goals. The property, a residential BTL asset, marked the clients’ entry into the UK property market and the beginning of their buy-to-let portfolio.

£50,000 Regulated Bridging Loan for a retirement property purchase

Loan Amount: £50,000
Structure: Regulated Bridge
Asset Class: Residential Mortgages

Hazel Jasper secured terms for a £50,000 regulated bridging loan to assist a 91-year-old client in purchasing a retirement property. The client was in the process of selling their long-time family home and required short-term funding to complete the new purchase ahead of the sale. The property, a retirement village unit, added an extra layer of complexity, particularly considering the client’s age and the regulatory sensitivities involved.

Structured with a low LTV of 26.3% and a competitive rate of 1.05%, the loan was carefully tailored to meet the client’s needs while maintaining compliance and protecting their financial security. Although the case has not yet proceeded, it highlights Hazel’s ability to secure suitable terms in age-sensitive, regulated bridging scenarios with care, speed, and precision.

£732,000 Re-bridge on a £3.3M property

Loan Amount: £732,000
Structure: Re-bridge
Asset Class: Residential Mortgages

Hazel Jasper recently arranged a £732,000 loan to re-bridge an existing facility secured against a £3.3M+ residential property with multiple charges. The client was under significant pressure to repay the existing bridge loan by 12th June, having been brought in late in the process with very limited time to secure refinancing.

Re-bridging presented considerable challenges, as lenders are often reluctant to provide finance when a previous bridge remains unpaid. Additionally, the complexity of the asset – a high-value, multi-million-pound property with several charges – added layers of due diligence and risk assessment. Despite these hurdles, Hazel leveraged her extensive knowledge and strong lender relationships to quickly identify suitable funding sources.

Within just two days, tailored terms were issued, and the application was submitted, ensuring the client met their repayment deadline without delay. This rapid turnaround not only safeguarded the client’s investment but also demonstrated Hazel’s ability to deliver bespoke, efficient financing solutions in time-sensitive and complex scenarios.

£2,450,000 First Charge Bridging Loan

Loan Amount: £2,450,000
Structure: First Charge Bridging Loan
Asset Class: Residential Mortgages

Andy Jacovou, assisted by Paul Killington, recently delivered a tailored funding solution for a client requiring urgent capital to secure a prime residential asset being purchased significantly below market value. The deal involved arranging a £2,450,000 1st charge bridging loan, structured at 80% of the purchase price (net) and completed in under three weeks – demonstrating both speed and precision in execution.

The facility was agreed at a highly competitive rate of 0.95% per month and required a bespoke approach, as the loan was assessed based on the asset’s value rather than the agreed purchase price. This added a layer of complexity to the deal, particularly given the tight timeframe and need for accurate, real-time valuations.

Despite these challenges, the team worked closely with all stakeholders, including valuers and legal representatives, to ensure a smooth and timely transaction. The result was a fast, effective finance solution that empowered the client to capitalise on a strategic acquisition opportunity in a competitive market.

£4.64M Refinance for a Trading Pub Group

Loan Amount: £4.64 million
Structure: Trading Limited Company Refinance
Asset Class: Commercial Finance

Chris Field and Billie Cox successfully arranged a £4,640,000 refinance facility for a trading limited company operating a group of eight pubs across the New Forest Country Park.

Structured at 65% LTV with a 4.55% margin, the facility supports the group’s strategic plan to transition to a fully freehold estate, using their proven operating model. Several of the sites offer scope to add or expand letting rooms, which will be a key focus for the CAPEX funding included within the facility.

While initial discussions spanned over a year as the client explored additional acquisitions, the formal application was submitted in January 2025 and drawdown completed by mid-April – demonstrating an efficient execution in a complex and often challenging hospitality market. A key complexity was the client’s existing annual debt obligations exceeding £200k, much of which was on an unsecured, aggressive repayment schedule. The deal successfully restructured both secured and unsecured liabilities into a consolidated, manageable facility, significantly improving cash flow and freeing capital to reinvest in the business.

The team also onboarded a sector-specialist valuer with strong local knowledge to the lender’s panel, ensuring accurate valuations that reflected the pubs’ true potential – including recent improvements and future trading forecasts – leading to uplifted values. By working with a valuer who understood the local pub market, responsive solicitors, and a lender who backed the client’s vision, Chris and Billie helped create a finance solution that worked both now and for the future. The result is a stronger financial position, better cash flow, and a clear path for the client to grow their business and move toward full ownership of their estate.

Regulated Bridging Loan Beats Stamp Duty Deadline

Loan Amount: £190,000
Structure: Regulated Bridging Loan
Asset Class: Residential Mortgages

Mark Wadmore, assisted by Paul Killington, recently secured a £190,000 regulated bridging loan in just 5 working days to help our client beat the stamp duty increase. The case wasn’t straightforward – the exit strategy relied on a divorce settlement, which required an exception to policy.

Thanks to our close relationship with Together, we were able to fast-track underwriting and get an exception approved – ensuring the client completed on time and saved significantly on stamp duty.

Securing C.£9 million for a Pub Portfolio Despite Valuation Challenges

Loan Amount: £9 million
Structure: Commercial Term Mortgage
Asset Class: Commercial Finance

Sirius Finance recently completed a c.£9m commercial term mortgage for an experienced operator who owns a successful portfolio of multi-faceted pubs with letting rooms across the Midlands.

This facility was structured at 65% LTV (MV1) with a competitive rate of just 2.5% + BBR, providing crucial working capital for extensive refurbishment works, which some lenders might have considered more appropriate via a Development Finance or “Heavy Refurb” loan, but with rates to match!

One of the key hurdles in this transaction was down to the all-important valuations, which had the potential to impact the borrowing structure. When they were reported significantly lower than expected, Chris Field and Billie Cox challenged some of the numbers and used their market knowledge, and understanding of how the assets were positioned across Hotel, Licensed & Leisure Sectors, by providing strong comparable evidence and a structured a successful appeal process. This, coupled with some negotiation with the lender to make exception to standard policy, ensured that the loan figures originally offered, did not change, much to the delight of the client.

This case highlights the importance of working with an experienced finance partner, who truly understands the sector and can navigate complexities to achieve the best outcome.

Commercial Investment loan secured in 15 days!

Loan Amount: £15.6 Million
Structure: Commercial Investment
Asset Class: Commercial Finance

A returning client sought to refinance their existing facility after successfully developing and stabilising their asset – a commercial investment comprising 65 high-spec studio apartments (PSBA) across two student accommodation blocks, valued at 21m.

With a 75% LTV and a tight funding deadline to meet before the end of the year, the challenge was clear: move from offer to completion within just 21 calendar days (15 working days).

Despite the usual complexities surrounding leases and legalities, Robert Heywood, Robert Collins & Oliver Eastgate worked proactively to ensure a smooth and efficient process. This funding solution not only provided the necessary debt consolidation but also enabled the client to raise additional capital for their next investment.

This case highlights our ability to navigate tight deadlines, overcome challenges, and deliver results – reinforcing our commitment to providing seamless funding solutions for our clients.

Urgent Bridging Loan for Auction Purchase – Completed in 13 Days!

Loan Amount: £168,750
Structure: Bridging Finance
Asset Class: Residential Mortgages

Our clients had successfully bid on a residential apartment at auction, securing a great purchase price – but with a 14-day completion deadline set by the mortgagee, they needed a fast bridging solution to avoid losing the deal.

With just 13 days to complete. Rob Collins & Billie Cox stepped in immediately. The challenge? The clients contacted us the day after the auction without a solicitor in place. Not only did we secure a £168,750 bridging loan at 75% LTV, but we also sourced a solicitor who could meet the tight deadline – despite the pre-Christmas rush.

This may be a smaller transaction, but it highlights how the team at Sirius always goes the extra mile to deliver for our clients. Whether it’s a multimillion-pound deal or a time-sensitive auction purchase, we make things happen.

Need speed and certainty in your property finance? Get in touch today.

Structuring a £9.9m Bridging Loan at 90% LTV

Loan Amount: £9.9 million
Structure: Bridging Finance
Asset Class: Commercial Finance

Securing high-leverage finance on complex assets requires the right expertise. In this case, our UHNW clients, experienced investors with a diverse residential and industrial portfolio, had secured a discounted purchase price on a decommissioned former abattoir site with associated buildings, targeting long-term rental growth. However, they wanted to minimise capital input and sought a loan structured against the investment value, not the purchase price.

With a loan requirement of £9.9m, structured at 90% LTV and a 0.99% monthly rate, we worked to a six-week exchange deadline with a three-month delayed completion. Given the complexities around title proposition and environmental sustainability, securing the right facility required extensive collaboration with valuers and legal teams to overcome key hurdles.

Despite multiple moving parts, the dream team of Rob Collins, Rob Heywood & Billie Cox successfully delivered the precise funding solution the clients needed. By structuring the facility around the true market value and navigating the legal intricacies, we enabled them to proceed with confidence.

A complex case, but the result was exactly what our clients needed. If you have a funding challenge, get in touch today.

Sirius Finance completes £8m revolving credit facility

Loan Amount: £8 million
Structure: Commercial Finance
Asset Class: Commercial Finance

Sirius Finance has completed an £8m revolving credit facility to fund the refinancing of a portfolio of commercial and mixed-use assets and provide liquidity for future opportunities.

The loan, secured on a portfolio of 24 shops, restaurants, offices, holiday lets and a dry cleaners, was used to release equity to fund further expansion of the client’s portfolio.

One of the main complexities within the deal was that all the properties were held within a family trust spanning 35 years.

Kelly Rule from Sirius worked with the clients well in advance of the expiration of the existing funding arrangement to find a lender that was comfortable with the structure of the portfolio and ensure the new loan was in place on a 5-year fixed rate at 5.47%.

Kelly Rule, Senior Associate at Sirius Finance, says: “The clients were keen to expand their portfolio and were being offered new properties regularly, but were being out bid by cash buyers so they needed a solution.

“I recommended a revolving credit facility – refinance the existing debt of £3.5m in the first instance and then providing a pre-agreed facility that could be on standby to finance new opportunities, with funds available to draw down in 48 hours. Th maximum credit facility on offer was £6.75m but the clients opted for a conservative £4.5m to avoid over stretching themselves.

“The unique condition with this product is that no interest is charged on the pre agreed facility and there are no non-utilisation fees. The clients can now act as cash buyers with the ease of the simple drawdown as and when they require it.”

£1,260,000 bridging loan for 8 HMO properties in Bath

Loan Amount: £1.2 Million
Structure: 1st Charge Bridge
Asset Class: Structured Finance

We recently supported clients who required urgent funding to complete their acquisition of 8 HMO properties in Bath after an overseas loan fell through at the last moment. Facing a strict auction deadline, timing was crucial.

Mark Wadmore and Andy Jacovou arranged a £1.26m first charge bridging loan, secured at 75% LTV with a competitive rate of 0.85% per month. With an eight-week timeline, the financing was tailored to help the clients meet the auction house’s deadlines, even amid the complexities of an expedited process. This funding enabled our clients to fulfil their commitment to the properties without delay.

At Sirius, we understand the importance of flexibility and responsiveness in time-sensitive situations.

£217,000 bridging loan secured in just 9 working days

Loan Amount: £217k
Structure: Bridging loan
Asset Class: Structured Finance

Our client was in the process of refinancing a property to secure a deposit for a new purchase. However, an unexpected audit delayed the process, and with the completion deadline fast approaching, the client was at risk of losing their favourable mortgage rate as the offer was about to expire. Reapplying for a new product would have meant facing higher costs and further delays.

 

To make things even more challenging, both the introducing broker and the client were overseas, limiting communication and making the already tight timeline even harder to manage.

 

Senior Associate Andy Jacovou acted swiftly, leveraging his in-depth market knowledge and strong lender relationships to deliver a bridging loan solution. In just 9 working days from initial enquiry, Andy secured the funds at a competitive rate of 0.85% with an LTV of 60%—avoiding any delays or need for the client to reapply. The timely financing enabled the client to meet their completion deadline and lock in their favourable rate.

A £1m investment opportunity secured in record timing

Loan Amount: £390k
Structure: Bridging loan
Asset Class: Commercial Finance

Our long-term clients, who have been working with Sirius for over 10 years, had the opportunity to purchase a vacant former care home for £600k. This presented a unique opportunity to secure a long-term lease with a residential college operator, raising the investment value to over £1m. However, with students set to move in, the deal had to complete within 3 ½ weeks. Missing the deadline could have resulted in breaches of contract and left students without accommodation.

Recognising the urgency, the wonderful trio of Rob Collins, Rob Heywood & Billie Cox, worked tirelessly to secure a bridging loan with a 65% LTV at a competitive rate of 1% per month. A win-win situation with students moving in as planned, and our clients benefitting from a future investment value exceeding £1m.

Refinance of £1.19m semi-commercial property

Loan Amount: £1.19 Million
Structure: Semi-commercial Refinance
Asset Class: Commercial Finance

This valued returning client, with whom we’ve had the pleasure of working with multiple times, sought to refinance their £1.19m semi-commercial property in West London. Leveraging the strong relationship with one of our key partners, we were able to receive an immediate offer upon underwriting review, subject to full valuations and legal checks.

Associate Oliver Eastgate secured a favourable refinancing rate, benefiting from the lender’s Green EPC discount.  This rate reduction from 6.20% to 5.95% resulted in significant savings for the client, reflecting our commitment to supporting sustainable practices in property finance.

£4.5m property portfolio restructure for strategic retirement planning

Loan Amount: £4.5 million
Structure: Residential, buy-to-let facility
Asset Class: Investment Finance

Two seasoned business partners, who have built an impressive portfolio of 200 properties, approached Sirius for a solution to assist in their retirement planning. Their goal was to transfer every property into two newly created limited companies to facilitate an eventual de-merger. This complex transaction involved 19 properties, each requiring separate applications and valuations to secure the best pricing.

Despite the challenges, Senior Associate Kelly Rule was able to facilitate a £4.5m loan at a competitive rate of 5.70%, with no arrangement fee; the entire process was completed in just under four months, allowing our clients to proceed with their retirement plans.

This successful outcome wouldn’t have been possible without the invaluable contributions of our team and partners. A special mention to Maisy Stephens, who played a critical role in the submission of these applications, ensuring everything was in place for a smooth process. We also want to acknowledge Vahideh Hojatoleslami at Spencer West, who expertly managed to draw these loans down within just five weeks of the offers being issued, providing exceptional legal support throughout.

Bridging loan for swift acquisition of £6.1m industrial site

Loan Amount: £3,965,000
Structure: Acquisition bridging loan
Asset Class: Commercial Finance

Our client required a swift acquisition bridging loan to purchase a large industrial site valued at £6.1 million. This enabled the client to secure the property to the required timescale, which with they will trade from.

The transaction involved some complexities due to the ultimate beneficial owner residing overseas. James Cassidy successfully facilitated a £3,965,000 bridging loan at 65% LTV.

70% LTGDV on £2.95 Million GDV for First-Time Developer

Loan Amount: £2,950,000
Structure: Senior development facility
Asset Class: Structured Finance

Sirius Finance is pleased to have secured funding at over 70% LTGDV on a GDV of £2.95m for a client embarking on a residential development project to build 5 high-end flats.

Despite the client’s lack of prior development experience, Senior Associate Ashley Elken obtained this senior development facility, surpassing the typical 65% leverage for such schemes. The entire process was completed in just 6 weeks from the valuation instruction.

Second charge bridge to purchase two residential units at auction

Loan Amount: £1,023,000
Structure: Non-regulated second charge bridge
Asset Class: Structured Finance

Our client had purchased two residential units at auction for just under £1million, with plans to refurbish and sell them. Faced with a 20-working-day deadline for completion, they needed a swift financing solution and opted to use their main residence as collateral for a non-regulated second charge bridge loan. This approach aimed to save time and costs, involving only one valuation and one mortgage, instead of three. However, the main residence was a newly built house with outstanding planning conditions, complicating the process.

By working closely with the client, the lender and both sets of solicitors, Senior Associate Rob Collins secured £1,023,000 at 55% LTV, completing the transaction within the required timeframe. This collaboration ensured the clients could proceed with their refurbishment plans without delay, demonstrating the effectiveness of a tailored bridging finance solution for urgent property acquisitions.

Record breaking auction purchase funding

Loan Amount: £174k
Structure: Unregulated singular 1st charge
Asset Class: Structured Finance

Our client required urgent funding for an auction purchase, with a tight timescale to avoid incurring additional daily interest from the auction house, which would result in a higher purchase price.

Leveraging strong relationships and expertise with our lender and solicitor partners, Senior Associate Andy Jacovou, assisted by Billie Cox, ensured all moving parts lined up perfectly.

The entire process was completed in record timing of just 3 hours 30 minutes from submission to the lender. This swift action secured the investment property for the client, preventing additional interest charges and a higher purchase price.

Refinance to prevent asset liquidation

Loan Amount: £2.1 million
Structure: SPV Term Loan
Asset Class: Investment Finance

Our client, a limited company, was in financial distress and seeking advice due to a failed bridging loan. The lender had appointed a receiver to recover the debt by forcing the sale of the security property. The resulting interest penalties and recovery charges were rapidly mounting up which meant any surplus debt may have had to be borne personally by the Directors, or via other assets held in their property portfolio.

Senior Associate Simon Nichola intervened with a tailored refinancing solution, securing a £2.1million loan to stop the asset liquidation, reduce the debt burden and allow the client to regain financial stability.

Bridging facility to unlock estate investments for immediate cash needs

Loan Amount: £500k
Structure: Bridging finance
Asset Class: Structured Finance

In a challenging time following the passive of our client’s father, they were seeking funds to secure a new property and had a shortfall of £500k. A significant amount of £1.4m was tied up in investments within the estate but, as probate had not been granted, this could not be liquidated.

Senior Associate Andy Jacovou devised a practical solution whereby the investments within the estate were used as collateral for the loan, securing the required funds.

The arrangement was structured to accommodate the clients’ circumstances so that interest was deferred and allowed to accumulate for up to 2 years, easing the burden of immediate payments.

This approach not only enabled the client to secure the desired property, but also ensured a smooth transition. Following the grant of probate, the investments were liquidated, allowing for timely repayment.

Second charge bridge to fuel expansion plans

Loan Amount: £850k
Structure: Second charge
Asset Class: Structured Finance

A growing business urgently required a second charge bridging loan to fuel expansion plans. With a strict deadline looming and prior financial commitments in place, the client needed swift access to funds to capitalise on a promising opportunity.

Senior Associate Andy Jacovou worked closely with the team at Inspired Lending who were able to facilitate a 24-month term, with interest deferred to the end of the term, removing the need for the client to make monthly payments. This collaborative approach ensured the successful and timely facilitation of the bridging loan, enabling the client to pursue expansion plans with confidence.

Semi-commercial restructure to secure funds for ongoing acquisition

Loan Amount: £500k
Structure: Investment
Asset Class: Commercial Finance

Our client is the proprietor of a thriving semi-commercial property housing a pizza shop, alongside two residential flats, comprising a 6-bed HMO and a 5-bed HMO. These properties, held under a limited company, boast a combined valuation exceeding £1m.

Seeking to secure £500k for an ongoing acquisition, Senior Associate Dak Lam devised a strategic solution which involved restructuring the property title by segregating the flats onto long-term leaseholds. Additionally, Dak recommended establishing a subsidiary SPV, where the holding company would retain ownership of the food establishment while becoming a shareholder in the new SPV.

Simultaneously, Dak identified a lender receptive of the proposed structure, accommodating the long leasehold arrangement, retention of two flats under a single title, and the segregation of the hot food business into a separate entity. This streamlined approach ensured our client’s financing needs were met, while optimizing the property’s potential future growth and investment

Two commercial warehouse units

Asset Class: Insurance

Objective & outcome.

As a result of buying out their business partner, this client needed to remortgage their two commercial warehouses. The existing insurer would not note the lenders interest, therefore they needed to obtain a new insurance policy.

Solstar sourced a policy which covered both units, whilst noting the lenders interest and at a lower cost than their existing policies.

The client was extremely happy with the outcome as this enabled completion of the remortgage without any delays.

Solstar can arrange a full suite of protection policies that will not only compliment your clients mortgage applications, but will also prevent delays at completion please get in touch.

Hospitality premises covering light refurb

Asset Class: Insurance

Objective & outcome.

This client was purchasing a pub/restaurant which was undergoing light refurbishment before the grand opening.

Solstar sourced the perfect insurance solution which covered the premises whilst it was unoccupied in order to complete the final works, and would then switch to cover the business once trading.

By using our in-house insurance brokers, you can obtain converting insurance policies prior to completion, reducing risks of delay.

Solstar can arrange a full suite of protection policies that will not only compliment your clients mortgage applications, but will also prevent delays at completion please get in touch.

Listed building holiday let

Asset Class: Insurance

Objective & outcome.

This client was entering the holiday let market for the first time and was seeking cover for their Grade II listed building, including fixtures and features, prior to completing on the purchase.

Solstar identified that accidental damage, landlords’ contents, legal expenses, home emergency and public liability would be beneficial to cover all eventualities and found the perfect comprehensive cover in just 24hrs from initial enquiry.

As a first-time holiday let landlord, the client was thrilled that the stress of searching for the correct policy had been taken away from them, and they could now embark on their new venture.

Solstar can arrange a full suite of protection policies that will not only compliment your clients mortgage applications, but will also prevent delays at completion please get in touch.

Warehouse Purchase

Loan Amount: £3.98m
Structure: Investment
Asset Class: Commercial Finance

Simultaneous refinance and purchase of two large commercial units.

This client owned a large warehouse with a small amount of remaining debt. Sirius were tasked with raising the funds for the acquisition of a second commercial premises in the South of England. Sirius successfully negotiated for one lender to simultaneously facilitate a refinance of the existing asset to extract funds to be used for the purchase as well as provide the required debt for the new purchase.

To discuss an opportunity with our team please get in touch.

BTL Incorporation

Loan Amount: £20m
Structure: CommerciaMortgage
Asset Class: Commercial Finance LTV: 65%

Portfolio incorporation comprising 129 properties of varied asset classes.

A highly experienced BTL investor and developer consulted Sirius in the midst of restructuring their operations for tax efficiencies. Their accountant was forming a new limited company structure to hold their properties of varied asset classes including semi-commercial, residential, HMO and MUFBs. Sirius, aware the client had a requirement for a capital raise of £3m, arranged a single 65% LTV facility of £20m for 76 of their properties, leaving 53 unencumbered. All parties worked tirelessly to meet the restructure’s 4 week deadline.

Advisor
Dak Lam, Senior Associate
0208 092 4423
dak.lam@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

Joint Venture Development

Loan Amount: £3.15m
Structure: Joint Venture Equity, Stretch Senior
Asset Class: Structured Finance

Development consisting of seven apartments and seven houses in Middlesex.

Sirius was approached by a developer looking to fund the acquisition and development of scheme comprised of 7 apartments and 7 houses. The site was to be acquired through acquisition thus presenting a tight 6 week deadline for the purchase for which we were able to meet. The oversees client had limited experience but Sirius secured 11% of the funding via a credible Joint Venture partner and the remainder via a reputable specialist lender providing 100% of the total costs.

To discuss an opportunity with our team please get in touch.

Development Funding

Loan Amount: £24.96m
Structure: Senior Mezzanine
Asset Class: Structured Finance

248 unit residential development in Birmingham.

This long term client of Sirius required a stretched development facility for their latest project, the acquisition and development of a 248 multi unit residential scheme in Birmingham. Due to the complexity of the scheme, Sirius negotiated a syndicated senior facility between two lenders and also introduced two mezzanine lenders in order to secure the required funds at over 90% LTC. Sirius also pre agreed a take out facility with the same senior lender once the property had been developed and let.

To discuss an opportunity with our team please get in touch.

Commercial Investment

Loan Amount: £12m
Structure: Term Loan
Asset Class: Investment Finance

Refinance of Investment Portfolio.

This portfolio had existing facilities due to expire, of which refinancing was proving difficult due to the owner being aged over 75 years without a succession plan in place. There were also pre-existing planning issues that proved problematic for some lenders. The client had managed to agree a refinance facility with a bank, only for the bank to pull out close to the completion date. This put the client in a difficult situation, but Sirius were able to leverage lender relationships to swiftly secure another lender and push through to completion in just 11 days.

To discuss an opportunity with our team please get in touch.

Development Funding for 12 Houses

Loan Amount: £2.76m
Structure: Senior Mezzanine
Asset Class: Structured Finance GDV: £3.9m

New build scheme with social housing allocation.

Sirius worked with a long term client to arrange funding for their scheme comprising 12 new build houses in Essex, two of which to be allocated as social housing, with a GDV of £3,938,000. Sirius successfully establish an agreement between a senior lender and a mezzanine lender to secure the £2,760,000 of finance required to proceed with the build.

To discuss an opportunity with our team please get in touch.

Development Exit Facility

Loan Amount: £1.5m
Structure: SPV
Asset Class: Structured Finance LTV: 60%

5 new build resiedntial apartments.

This developer had used their own funds to build 5 new residential apartments. Prior to the sale of these properties, they had identified a new development opportunity and needed liquidity to start the scheme. Sirius were able to secure a low rate development exit loan on the client’s current development at 60% leverage in just 6 weeks, including a re-inspection.

To discuss an opportunity with our team please get in touch.

Multi Unit Develpment Funding

Loan Amount: £18.3m
Structure: Senior Mezzanine
Asset Class: Structured Finance

145 apartment scheme

The client required a re-finance to exit an existing lender arrangement and then further funds to complete the build of a part permitted development and part new build scheme of 145 flats . Sirius secured £15.5m of senior debt comprising a dual facility; the majority of the debt on a 2-year development exit loan with no ERC’s, plus an improvement loan to complete the additional block. Mezzanine debt of £2.8m arranged to assist senior loan until practical completion of entire scheme.

To discuss an opportunity with our team please get in touch.

Opco-Propco Commercial Purchase

Loan Amount: £1.8m
Structure: Investment, Bridging, VAT Loan
Asset Class: Investment Finance

3 Separate loans enabling the acquisition of a commercial property.

The clients approached Sirius to assist in securing an investment loan for a commercial property acquisition for their trading business. In their portfolio was an unencumbered BTL, Sirius raised the deposit using the investment security as the security with funds drawn down in two weeks. VAT was payable on the purchase, so a VAT loan with no charge against the asset was procured for the clients in less than a week, this allowed the commercial purchase to successfully complete.

To discuss an opportunity with our team please get in touch.

Development Exit

Loan Amount: £7.7m
Structure: Residential Investment Mortgage
Asset Class: Investment Finance

Part investment and part sale.

This North London developer had been let down by their previous broker/lender partnership and were under time pressure to refinance. Taking the market conditions into consideration it was agreed that the best route would be to split the freehold into leaseholds to allow the client to both sell and retain units. Sirius secured the maximum leverage in order to repay the existing loan and retain 11 units on an investment mortgage. Sirius arranged bridging finance for the remaining 2 units in order for the client to sell. Despite the complex ownership structure in the background, which involved a mixture of BVI, foreign national and UK investors, Sirius advisors guided the deal to successful completion within 8 weeks.

Advisor
Robert Heywood, Senior Associate
0208 092 4410
robert.heywood@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

Wimbledon Portfolio

Loan Amount: £5.83m
Structure: Residential Investment Mortgage, Bridge
Asset Class: Investment Finance

Warehouse conversion and portfolio refinance.

Sirius secured this aspiring landlord the funds to convert an old warehouse in to seven high-end residences to be retained for rental upon completion. Sirius was reappointed to refinance the development onto one investment product to include other existing properties in their portfolio. It became apparent that the developer had made alterations to the assets outside of the original planning consent making securing a mortgage challenging. The varied nature of the portfolio, from HMO’s to prime single dwellings, added an additional layer of complexity when finding suitable lenders to partner with. The entire portfolio was reviewed simultaneously and a bespoke finance package structured by Sirius was secured.

Advisor
Robert Heywood, Senior Associate
0208 092 4410
robert.heywood@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

Land Split Home Development

Loan Amount: £235k Bridge / £230k BTL Refinance
Structure: Bridge, Residential Investment Mortgage
Asset Class: Investment Finance

Bridge with land split and refinance to BTL.

This client was seeking finance to purchase a house and fund a subsequent development within the property’s vast garden. They required Sirius to structure a seamless debt package allowing them to split the title once purchased and refinance the existing house to a Buy To Let facility and build a new property on the adjoining land. The challenge was that no lender would provide funding where there was planning consent on their proposed security. Sirius provided a two-step solution, a bridge facility to secure the property followed by the introduction of a BTL loan on the existing home whilst the title was split into two. This allowed the client to begin the planning process on the new title.

Advisor
Dak Lam, Senior Associate
0208 092 4423
dak.lam@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

 

Buy to Let Purchase

Loan Amount: £332k
Structure: BTL Mortgage
Asset Class: Investment Finance LTV: 63%

Acquisition of apartment for aspiring landlords.

The clients had limited credit history and income but were keen to invest in their first BTL, a South London flat valued at £0.5m. The vendor created further challenges by threatening to levy significant fees if a specific completion date was not met. Sirius remained vigilant in the application process and applied pressure on the lender and associated professional teams to encourage prompt agreements. Sirius chose to place the client with a lender with which there was a trusting relationship in place with key decision makers. When the clients became trapped in Kenya due to pandemic restrictions, Sirius were able to overcome this by encouraging an exceptional level of flexibility from the lender with regards to their ID process and document signing. A relentless and proactive attitude achieved a successful and timely completion for all parties.

Advisor
Dak Lam, Senior Associate
0208 092 4423
dak.lam@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

 

Residential Multi Unit Investment

Loan Amount: £1.5m
Structure: Senior Debt
Asset Class: Investment Finance

Refinance for 3 blocks of apartments.

This portfolio had existing facilities due to expire, of which refinancing was proving difficult due to the owner being aged over 75 years without a succession plan in place. There were also pre-existing planning issues that proved problematic for some lenders.

The client had managed to agree a refinance facility with a bank, only for the bank to pull out close to the completion date. This put the client in a difficult situation, but Sirius were able to leverage lender relationships to swiftly secure another lender and push through to completion in just 11 days. To discuss an opportunity with our team please get in touch.

To discuss an opportunity with our team please get in touch.

Part Built Student Development

Loan Amount: £70m
Structure: Senior
Asset Class: Commercial Finance

439 bed accommodation in the North East.

Sirius entered this scheme mid way through the build – various complications including construction delays and deposit mechanisms changing in the country of several of the off plan buyers had caused the need for an urgent refinance. The UK SPV required 70% refinance and 100% build costs to continue. Sirius were able to raise the funds required to complete the 439 unit student scheme including debt to cover extra units added post build commencing.

To discuss an opportunity with our team please get in touch.

Scotland BTL Incorporation

Loan Amount: £3.5m
Structure: Commercial Mortgage
Asset Class: Commercial Finance LTV: 60%

28 house buy-to-let portfolio incorporation.

Experienced BTL landlords with a residential portfolio of 28 houses across Scotland and England were seeking to transfer the assets to a Limited Company structure in order to receive CGT and SDLT relief. Sirius raised funds to repay existing debt, leaving the Scotland properties unencumbered, and agreed a 60% LTV 5 year fixed mortgage for the remainder of the properties across three lenders within two weeks.

Advisor
Dak Lam, Senior Associate
0208 092 4423
dak.lam@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

Development Exit

Loan Amount: £6.85m
Structure: Senior Finance
Asset Class: Structured Finance

20 apartment and 22 house development.

The client came to Sirius with their development scheme already underway, a new build site in Kent comprising 20 apartments and 22 houses. They required a development exit plan to conincide with the development being signed off by building control, the exisiting lender’s repayment deadline and ensuring the site was complete and lettings agreed. Sirius co-ordinated the process, liaising with all parties and ultimately ensuring the new lender’s expectations were met and the funds secured within the tight time frames. The successful transaction released equity for the developer that they were able to invest in further development sites, all of which Sirius are arranging further funds for.

To discuss an opportunity with our team please get in touch.

PR Agency Purchase

Loan Amount: £1.5m
Structure: Senior
Asset Class: Commercial Finance

Owner Occupier mortgage.

The client required a £1.5m loan to enable the purchase of commercial premises in Southwark for £2m. The premises were to provide offices for the client’s business to trade from and the client wanted a loan structured over a 15-year term on a capital and repayment basis. Sirius were able to secure this funding.

To discuss an opportunity with our team please get in touch.

New Home Purchase

Loan Amount: £1.2m
Structure: Standard
Asset Class: Residential Mortgages LTV: 65%

Acquisition for complex income stream client.

The client approached Sirius with a 12 week completion deadline for the purchase of a £1.85 new home for which they were seeking a mortgage of minimum £1m. Their complex and varied income stream meant an absence of three years of accounts leading them to be turned away from the highstreet banks. The clients income also came in larger sums intermittently thus the preference was for an income only mortgage. Sirius was able to source a private bank with more scope to take a flexible view. Sirius utilised one year of accounts and a second year of proposed income from the client’s accountant to successfully secure a product providing 65% LTV with a loan of £1.2m, exceeding the borrowers expectations.

Advisor
Neil Chambers, Senior Associate
0208 092 4414
07970 756 588
neil.chambers@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

Let To Buy

Loan Amount: £720k LTB, £960k Mortgage
Structure: Let to Buy, Residential First Charge Mortgage
Asset Class: Residential Mortgages

Let of existing residence to facilitate purchase of dream home.

A client wanted to secure a new home and was unable to wait for the sale of their existing property in order to fund the purchase. Their income alone didn’t meet the borrowing criteria to obtain a mortgage for the desired property. Sirius converted their existing loan onto to a Let-to-Buy mortgage at a higher LTV thus realising a portion of equity. The additional funds were enough to purchase their dream home.

To discuss an opportunity with our team please get in touch.

New Home Purchase

Loan Amount: £2.2m
Structure: Standard
Asset Class: Residential Mortgages

Complex income stream client.

A HNW individual was seeking a £2.2m loan to purchase a home valued at £3m. The client had a complex income structure derived from multiple sources, some of which were overseas. Sirius were able to leverage our strong relationships with lenders to secure the required funds from a private bank in just 8 weeks.

To discuss an opportunity with our team please get in touch.

New Home Purchase

Loan Amount: £800k
Structure: Standard
Asset Class: Residential Mortgages

Tax exempt income.

The client required £800,000 to purchase a new home, but had difficulty obtaining a mortgage due to the annual income source being a betting syndicate. They produced tax records that showed this income to be consistent over a 10-year period, but because proceeds from gambling is tax exempt, the income was not acceptable for most banks. At Sirius, we were able to leverage our strong relationships with lenders and find a lender willing to understand the nature of the client’s income and offer a suitable product to fund the purchase of the property.

To discuss an opportunity with our team please get in touch.

Student Accommodation

Loan Amount: £7.84m
Structure: Commercial Mortgage
Asset Class: Commercial Finance

94 unit new build apartments.

Following completion of the development, the client needed to refinance a block of 94 student apartments to retain the asset. The existing debt included mezzanine finance and totalled over 70% LTV thus it was crucial that the arrangement fee be added to the new loan in order to cover repayment. As the scheme had only very recently completed during COVID-19 lockdown, the volume of student occupation was lower than anticipated therefore they needed the bank to lend against anticipated post-COVID-19 occupancy. Sirius worked closely with the valuer for them to support the viability of this and were able to secure a first charge commercial mortgage for the freehold.

Advisor
Charlotte Stanford, Senior Associate
0208 092 4418
charlotte.stanford@siriusfinance.co.uk

To discuss an opportunity with our team please get in touch.

Part Build Residential Scheme

Loan Amount: £25m
Structure: Stretch Senior
Asset Class: Structured Finance LTGDV: 75%

Distressed 250 apartment development

The developer for this 250 unit new build scheme had gone over term on their current development facility thus required a sales bridge to sell the first phase and development funds to finish phases 2 and 3. Covid-19 had caused delays to the build and overseas buyers, who had already exchanged on units, had unilateral notices on these apartments. This drastically limited the number of lenders in the market who would consider lending on the development which had left the client unsuccessfully seeking funds for 12 months. In just 8 weeks from initial enquiry, Sirius were able to source a fund to structure the deal in a way that facilitated the developer to sell the complete units and financed the completion of the remainder. This enabled the borrower to preserve the relationship with the existing lender and to reach practical completion in order to execute the pre-sold units.

To discuss an opportunity with our team please get in touch.

LLP to LTD Co – London Portfolio

Loan Amount: £6.25m
Structure: Commercial Mortgage
Asset Class: Commercial Finance LTV: 60%

Incorporation of 50 unit portfolio in London.

The clients were two experienced landlords who had built up a portfolio of over 50 properties in a LLP valued at circa £17m. In order to be more tax efficient and reduce their monthly payments, they consulted Sirius to transfer the properties and debt into a LTD Co structure. Sirius secured a deal for 60% LTV enabling them to pay the existing lenders and transfer the entire portfolio to one lender for both a cheaper rate and easier management.

To discuss an opportunity with our team please get in touch.

Portfolio Incorporation

Loan Amount: £1.04m
Structure: Residential BTL
Asset Class: Commercial Finance

Block of 6 apartments.

The client, an experienced developer, had historically always developed in their personal name. Upon making the decision to retain their most recent development they required Sirius to assist with incorporating the block of 6 apartments into a ltd company and clearing the existing development finance debt. Sirius were able to swiftly secure a 5 year fixed BTL mortgage of £1,040,000.00.

To discuss an opportunity with our team please get in touch.

Portfolio

CASE STUDIES

  • £64,500 Limited Company BTL Remortgage
    Loan amount: £64,500
    Residential Mortgages
  • £50,000 Regulated Bridging Loan for a retirement property purchase
    Loan amount: £50,000
    Residential Mortgages
  • £732,000 Re-bridge on a £3.3M property
    Loan amount: £732,000
    Residential Mortgages
  • £2,450,000 First Charge Bridging Loan
    Loan amount: £2,450,000
    Residential Mortgages
  • Regulated Bridging Loan Beats Stamp Duty Deadline
    Loan amount: £190,000
    Residential Mortgages
  • Urgent Bridging Loan for Auction Purchase – Completed in 13 Days!
    Loan amount: £168,750
    Residential Mortgages
  • New Home Purchase
    Loan amount: £800k
    Residential Mortgages
  • New Home Purchase
    Loan amount: £2.2m
    Residential Mortgages
  • Let To Buy
    Loan amount: £720k LTB, £960k Mortgage
    Residential Mortgages
  • New Home Purchase
    Loan amount: £1.2m
    Residential Mortgages