When the timeline is the constraint, not the client
High LTV, bridging-to-term, and facilities structured around income, placed with lenders most brokers can't reach.
Discuss your requirementsBuilt for circumstances a standard mortgage isn't
A chain-free purchase that needs to complete in weeks. An opportunity that requires more leverage than a high-street lender will reach. A facility structured around income a standard underwriter won't credit properly. We place these with private banks built for exactly this, not marketed as a mainstream route.
What we can arrange
High LTV / high-value purchases
Leverage beyond what high-street lenders will offer, for high-earning individuals.
Bridging-style solutions, 90–95%
Completing ahead of a sale, securing a time-sensitive opportunity, or bridging into a longer-term facility.
Complex or high income structures
Business owners, senior executives, and professionals with performance-related or variable income.
A recent transaction
A £4.7m facility, structured to fit
Clients in the investment sector had agreed to buy a South East property valued at just over £3m but needed to complete before their existing home sold, a scenario neither a standard mortgage nor conventional bridging finance was built to handle well.
We refinanced their existing property onto a tracker to remove exit-penalty risk, then secured an 18-month interest-only facility at 90% of combined property values, lender fee added to the loan, no exit penalties.
Priced well below the tracker alternatives available to them, an estimated £86,000 a year in interest saved on a facility of this size, and the time to sell on their own terms rather than against a deadline.
Why work with us rather than approach a lender directly
We negotiate structure, not just rate: the balance of cost, flexibility, and term that speed and leverage always trade off against. Independent across the private banking market, paid by the lender rather than you, so the advice costs nothing extra and isn't tied to one institution's product range.
Who this typically suits
This route suits individuals with income from £300,000. Assessment is on the full picture, not income alone. If your situation is close but not quite there, speak to us before ruling it out.
Need to move quickly, or borrow more than standard lending allows?
Tell us what you're trying to achieve and the timeline. We'll tell you what's possible.
Start the conversation