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Client: Portfolio Landlord
Location: Birmingham City Centre
Loan Amount: £875,000
Term: 12 months
Loan Purpose: Semi-commercial acquisition
LTV: 65%
Exit Strategy: Refinance with commercial lender
The Challenge
A landlord with an existing portfolio aimed to purchase a semi-commercial unit—retail below and residential above—in central Birmingham. The seller required completion within four weeks. The client’s usual commercial lender needed eight weeks, creating a funding gap.
Our Solution
BridgeLoanDirect sourced a £875,000 temporary property loan at 0.95% per month. Legal teams were instructed immediately, and valuation was booked within 48 hours. Interest was retained, and title was clean, so funds were disbursed in just under 13 days.
The Result
The client completed the purchase on time. After minor works and tenancy improvements, the building was revalued and refinanced using a mainstream commercial mortgage. The property now produces £68,000 in annual rental income.
