A North West-based portfolio landlord approached us after securing a below-market-value HMO through an auction house. With the property perfectly aligned to their investment strategy, the client was keen to move quickly and add it to their growing portfolio.

Auction purchases always come with tight timelines, and in this case, we had just 20 days from deposit to completion. To add further pressure, the client was due to go on holiday for two weeks during this window, meaning all offer documentation had to be signed and ready before they departed.

We acted quickly to source a lender that could support the required speed. By using an automated valuation model (AVM), we eliminated the wait for a physical inspection, saving both time and money. The lender was also able to underwrite the case within 48 hours, which significantly accelerated the process.


On the legal side, we immediately instructed a solicitor from our trusted panel who was experienced in fast-turnaround auction transactions. This ensured all legal documentation was prepared and ready in parallel, allowing the client to travel stress-free, knowing the deal could proceed while they were away.

We secured a £240,000 bridging loan against a property valued at £320,000, with an offer issued just two days after submission. Completion followed within 14 days, comfortably beating the auction deadline and avoiding any costly extension fees.


This swift and efficient transaction allowed the client to secure the property, diversify their portfolio further, and do so at market-leading rates, all while enjoying their holiday, confident everything was under control.


A great example of what’s possible with the right lender relationships, clear planning, and a proactive legal team.