Land split
home development

Bridge with land split and refinance to BTL

Loan Amount

£235,000.00 bridge
£230,000.00 BTL refinance


Residential investment mortgage

asset class

Residential portfolio

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.


Dak Lam Dak Lam Senior Associate, Investment Finance contact details 0208 092 4423
With over 25 years in the property finance industry, Dak brings a deep and broad knowledge base of specialist lending to Sirius team.

His experience is most prevalent within the arenas of foreign investment, buy-to-let, unusual and limited company structures, pre- and post-incorporating.

Having achieved an Institute of Bankers certificate in Investment Planning and a CeMap qualification, Dak spent fourteen years at several mortgage brokerages before settling at the Brightstar Group in 2014 as one of Sirius's senior debt advisors.
He prides himself on a highly strategic approach for his clients, taking great enjoyment in unusual and challenging cases. Dak has a reputation for making the seemingly impossible, possible. Something that has earnt him a vast and loyal client base of property investors who have utilised his skills and knowledge to grow valuable property portfolios nationwide.

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