The Challenge

We were approached by an experienced property investor who had secured a rare opportunity: a large country home being purchased significantly below market value.

However, several factors made the deal more complex than it first appeared:

• The purchase price was well under valuation, meaning few lenders would fund a high loan-to-purchase ratio
• A tight deadline was imposed due to the seller facing repossession
• The client also needed funds for initial refurbishment works
• It was essential to find a valuer willing to support the equity case and move quickly

Our Solution

Portway Finance took a hands-on approach to structure the deal under pressure:

• Identified a lender who was comfortable with both the client’s track record and the nature of the opportunity
• Structured a bridging facility that covered both the purchase price and refurbishment costs
• Coordinated with valuers and legal teams to fast-track due diligence, ensuring the transaction moved at speed

The Outcome

• A £2.5M bridging loan was secured at 0.89% per month, with interest retained over 12 months
• Full funding provided to complete the below-market purchase and begin renovations
• Deal completed in just over 4 weeks, avoiding repossession of the asset
• Client now positioned to enhance and refinance the property or sell at a profit

This case is a strong example of how we help investors seize time-sensitive opportunities with creative structuring, reliable partners, and rapid execution.