The Challenge
Portway Finance was approached by a returning client, a limited company portfolio landlord, seeking a flexible short-term funding solution for a property in Aberdeen. Rather than disposing of the asset, the client wanted to retain ownership while creating a clear pathway towards a future development project.
The client required finance that would:
- Repay an existing lender
- Release equity from the property
- Allow the asset to be held without pressure to sell
- Preserve a clear exit into development finance at a later stage
Given the nature of the asset and the client’s wider investment strategy, traditional commercial mortgages were unable to provide the flexibility required.
Our Solution
Drawing on our specialist lending expertise, Portway Finance identified a bridging lender prepared to lend against the residual land value, allowing the client to access a higher level of funding than conventional lending would permit.
We structured a £1,960,000 holding bridge, enabling the client to refinance the existing loan while releasing additional capital to support their growing property portfolio.
The facility was designed to provide maximum flexibility, allowing the client to focus on their wider development pipeline while maintaining a clear and achievable exit into development finance.
The Outcome
The bridging loan completed successfully, delivering:
- £1,960,000 bridging loan arranged
- Existing loan repaid in full
- Additional capital released for future investment
- A clear transition strategy into development finance
This case demonstrates how strategically structured bridging finance can provide more than just speed. By combining flexible lending with a well-planned exit strategy, Portway Finance helped the client strengthen their portfolio while positioning the asset for its next stage of development.
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