Three facilities, one client — two bridges plus development finance
Written by Chris Canham, commercial finance broker with nearly 30 years in financial services. Last reviewed .
Three facilities arranged in parallel
Deal at a glance
- Loan type
- Bridging and development finance
- Loan amount
- Just under £400,000 (first bridge)
- Lender type
- Specialist bridging lenders and a specialist development funder
- Location
- South London and Surrey
A real client transaction, anonymised. Client-identifying details have been removed; lender names and figures are shown where the client has agreed.
A South London portfolio landlord was expanding quickly: two investment property purchases running at the same time, plus a ground-up development site — all needing funding lines arranged and managed in parallel.
Three transactions at once means three sets of lender requirements, three legal processes and one very busy client.
Two bridging facilities with two different lenders: one of just under £400,000 with Together for an investment purchase at £529,000, structured with retained interest so there are no monthly payments during the term, and a second bridge with Octane Capital on a separate purchase.
Alongside these, development funding was packaged for the client's SPV to build two four-bedroom houses on a Surrey site acquired for £500,000, working with a specialist development funder on a build-and-sell programme.
Each purchase was matched to the lender whose criteria and speed fitted it, and all three files were driven week by week so no deal slowed another down.
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