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CASE STUDIES

Commercial Bridging Mortgage

Our client, a business owner with experience in commercial property, approached us seeking urgent funding to purchase a semi-commercial property that was a shop & a 2 bedroom flat above.

The client faced a tight deadline, as the transaction required funds within 3 weeks to avoid losing the purchase opportunity. Traditional lenders were unable to meet the timeframe due to lengthy underwriting and credit assessment processes.

Challenge

Funding requirement: £250,000.00
Timescale: 3 weeks
Security offered: Existing commercial property already owned by the client which was unencumbered.
Barriers:
- Time-sensitive completion deadline
- Limited appetite from high-street banks for short-term lending on commercial assets
- Client’s complex income structure
- The vendor wanted a fast sale below market value hence the immense pressure on our client

Solution

We identified a specialist bridging lender with a track record of financing commercial assets at speed. Working closely with the lender, solicitors, and valuers, we were able to structure a solution tailored to the client’s needs:
- Loan type: Commercial Bridging Loan
- Amount raised: £250,000.00
- Loan-to-value (LTV): 60%
- Term: 12 months
- Rate: 0.89% PM
- Exit strategy: Refinance of existing commercial property to pay off the bridge
Our proactive coordination ensured that the valuation and legal processes were expedited, allowing completion well within the client’s deadline.

Outcome

The client successfully secured the property without delays.
The bridging finance provided the flexibility to complete the sale rapidly
A clear exit strategy is in place, with a planned transition to refinance on a semi-commercial mortgage product.

Aatif

CEO/ Founder

"Working with Aatif from Frida Finance made what seemed like an impossible deadline achievable. They guided me through the process and secured funding in record time."

Key Takeaways

Bridging finance can provide rapid access to capital where mainstream lenders fall short.
Close collaboration between broker, lender, and solicitors is critical for meeting time-sensitive completions.
Structuring the right exit strategy is essential to ensure bridging finance remains an effective, short-term solution.

CASE STUDIES

Case Study 1: First-Time Buyer Mortgage

A young couple approached us as first-time buyers, struggling to navigate the mortgage

Case Study 2: Buy-to-Let Mortgage

An investor wanted to expand their property portfolio with a new buy-to-let property.

Case Study 3: Complex Case Mortgage

One client approached us after being turned down by several banks.

Case Study 4: Business Loan

A small business owner needed a cashflow boost to take advantage of a growth opportunity

CASE STUDIES

Commercial Bridging Mortgage

Challenge

Solution

Outcome

Key Takeaways

CASE STUDIES

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