Case Study – Bridging

George O’ConnorAugust 13, 2026 From Property Purchase to 6-Unit HMO Refinance 🏢 KSEYE provided a £393,750 residential bridging loan at 70% LTV to support the purchase and conversion of a £525,000 property into a 6-unit HMO, providing short-term property finance ahead of refinance.The borrower planned to carry out a light refurbishment, including an internal strip-out and an extension to create an additional unit. The works were self-funded, with the bridging facility providing the funding required for the acquisition.The borrower identified an opportunity to transform the property into a 6-unit HMO, increasing the amount of available rental accommodation and the property’s potential rental income. By self-funding the refurbishment works, the borrower was able to focus the bridging facility on securing the property and progressing the conversion. Why it Worked The residential bridging loan provided the short-term property finance needed to complete the purchase and begin the HMO conversion without delay. With the refurbishment works self-funded, the facility could focus on the acquisition while supporting the planned conversion and extension.The facility also provided a clear route through to refinance once the conversion is complete and the HMO licence has been obtained. From Purchase to HMO Refinance The project provides a clear journey from property acquisition and refurbishment through to HMO conversion and longer-term refinance.Once the works are complete and the necessary HMO licence is secured, the borrower intends to refinance the property, allowing them to retain the improved asset as part of their investment portfolio.This case demonstrates how HMO bridging finance can support property purchases, refurbishment and conversion projects, giving property investors a route from acquisition through to longer-term HMO refinance. If your client needs HMO bridging finance for a property purchase, conversion or refurbishment project, KSEYE can help structure a solution around the investment strategy. Speak to our team today to discuss your client’s HMO or residential bridging requirements. Loan Amount £393,750 LTV 70% Rate 0.94% pm Purpose Property Purchase & HMO Conversion Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorAugust 10, 2026 Flexible Bridging with a £2m Revolving Credit Facility We recently provided a Revolving Credit Facility of up to £2 million, giving an experienced property investor flexible access to funding for multiple residential property acquisitions, refurbishments and refinances.The facility allows the borrower to add further properties as opportunities arise, providing a flexible alternative to arranging separate bridging loans for each acquisition. Property Details The initial facility included three residential investment properties:🏠 4-Bed Terraced House – £467,500 loan at 75% LTV, including light refurbishment🏠 Detached House – £435,000 loan at 75% LTV🏠 3-Storey Semi-Detached House – £472,500 loan at 75% LTV Why it Worked A Revolving Credit Facility provided the borrower with ongoing access to short-term property finance, rather than requiring a separate bridging loan for every acquisition. This gives the investor greater flexibility to purchase new properties, refinance existing assets and undertake light refurbishment as opportunities arise.As further properties are added, security can be taken over each property and the relevant SPV, allowing the facility to adapt alongside the borrower’s investment portfolio. Facility Amount Up to £2,000,000 LTV 75% (for each property) Rate 0.84% pm Purpose Property Purchases, Light Refurbishment & Refinancing Rates reflect products at the time the loan was completed From Purchase to Refinance Revolving Credit Facilities can be particularly useful for experienced property investors and landlords who regularly acquire residential investment properties. The ability to access funding as required can help investors move quickly when opportunities arise, while providing a clear route towards longer-term Buy-to-Let refinance.This case demonstrates how a Revolving Credit Facility can support multiple property purchases and refurbishment projects through a single, flexible funding solution. At KSEYE, we work closely with brokers and borrowers to structure bridging loans that provide the speed and flexibility needed. If your client is regularly acquiring, refinancing or refurbishing residential investment properties, a Revolving Credit Facility could provide the flexibility they need.Looking to secure a mixed-use or commercial property? Speak to our team today. Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorAugust 10, 2026 Supporting a Time-Sensitive Mixed-Use Acquisition 🏪 At KSEYE, we recently provided a £339,500 residential bridging loan at 70% LTV to support the purchase and refurbishment of a 3-bedroom Buy-to-Let property in Catford, South East London.The borrower was looking to purchase the property as a residential Buy-to-Let investment. However, the property required light refurbishment before it could be prepared for the rental market.With the works expected to take between 8 and 12 weeks, the borrower needed a funding solution that would allow the purchase to complete and the refurbishment to begin without unnecessary delays. Why it Worked KSEYE provided a £339,500 residential bridging loan at 70% LTV, giving the borrower the funding required to complete the acquisition and carry out the planned improvements.A residential bridging loan gave the borrower the flexibility to complete the purchase and carry out the planned light refurbishment before moving onto longer-term Buy-to-Let finance. With works expected to take 8–12 weeks, the facility provided a clear and practical route through to BTL refinance. From Purchase to Refinance The facility enabled the borrower to purchase and improve the Catford property before preparing it for the rental market. Once the refurbishment is complete, the borrower will refinance onto longer-term Buy-to-Let finance, completing the journey from acquisition to long-term investment. At KSEYE, we work closely with brokers and borrowers to structure bridging loans that provide the speed and flexibility needed. Whether your client is purchasing a property that requires light refurbishment or needs short-term finance before a Buy-to-Let refinance, our team can help find the right bridging solution.Looking to secure a mixed-use or commercial property? Speak to our team today. Loan Amount £339,500 LTV 70% Rate 0.79% pm Purpose Purchase and Light Refurbishment Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorAugust 6, 2026 Supporting a Time-Sensitive Mixed-Use Acquisition 🏪 We recently provided a £494,000 bridging loan at 67% LTV, helping a borrower acquire a mixed-use property comprising two retail units and two residential flats.The property was secured at a discounted purchase price due to the seller requiring a quick completion, making speed and flexibility key to the success of the transaction. Why it Worked The borrower identified an opportunity to purchase the property below market value after the seller required an urgent sale. To meet the tight completion deadline, we adopted a pragmatic approach by agreeing to a post-completion re-inspection and full valuation, allowing the transaction to proceed without unnecessary delays.With a clear exit strategy via refinance onto a long-term mortgage, the borrower was able to secure a valuable mixed-use asset while taking advantage of the discounted purchase price. Creating More Than Just Property Value Mixed-use properties continue to offer attractive opportunities for investors, combining commercial income with residential accommodation within a single asset. By providing flexible bridging finance, we’re able to support borrowers moving quickly on opportunities that may not suit a traditional lending timescale. At KSEYE, we work closely with brokers and borrowers to structure bridging loans that provide the speed and flexibility needed for residential, commercial and mixed-use property transactions.Looking to secure a mixed-use or commercial property? Speak to our team today. Loan Amount £494,000 LTV 70% Rate 0.94% pm Purpose Property Purchase Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorJuly 14, 2026 Unlocking Potential with a MUFB Conversion 🏢 We recently supported the purchase of a MUFB in Harrow, providing a £644,000 refurbishment bridging loan at 70% LTV to help the borrower acquire a property with significant development potential.The block comprises three flats, with plans to extend and reconfigure the asset to create additional high-quality residential accommodation. Why it Worked The borrower identified an opportunity to acquire a well-located MUFB with planning already in place to unlock additional value. The scheme includes a single-storey extension, the conversion of two flats into 5-bedroom HMOs under Permitted Development rights, and the refurbishment of the remaining flat to a modern standard.Our refurbishment bridging solution gave the borrower the flexibility to secure the purchase and move straight into the next phase of the project, with a clear exit via refinance once the works are complete. Creating More Than Just Property Value Projects like this show how refurbishment bridging can play an important role in making better use of existing housing stock. Rather than building from scratch, the borrower is extending, converting and refurbishing an existing property to create additional, high-quality accommodation in Harrow, helping meet growing demand while breathing new life into an established residential asset. At KSEYE, we’re proud to support refurbishment and conversion projects that not only deliver value for borrowers but also contribute to increasing the availability of quality homes across London.Planning a refurbishment or a conversion? Speak to our team today. Loan Amount £644,000 LTV 70% Rate 0.94% pm Purpose Purchase, refurbishment and conversion Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorJuly 14, 2026 North West London Block Purchase 🏢 We recently supported the acquisition of a 16-flat residential block in North West London, delivering a £3,683,292 residential bridging loan at 70% LTV to help our client capitalise on a below-market-value opportunity.By taking a flexible approach to the structure of the transaction, we enabled the borrower to maximise leverage while securing a substantial discount on the purchase of the entire block. Why it Worked The borrower secured the opportunity to acquire a the security at a discounted purchase price, making it an attractive investment from the outset. To support the acquisition, we structured the loan across multiple facilities, taking security over the freehold title and five of the flats, while cross-collateralising the remaining units. This flexible approach enabled the borrower to complete the purchase efficiently while maximising leverage.With a clear exit strategy already in place, each flat will receive its own lease following completion, allowing the borrower to refinance the individual units onto longer-term mortgages over time. Supporting London's Housing Market Transactions like this help keep much-needed housing available in the capital. By facilitating the purchase of all 16 flats, the property can continue to provide quality residential accommodation while giving the borrower the flexibility to refinance each unit over time. At KSEYE, we work closely with brokers and borrowers to structure residential bridging solutions that suit the circumstances of each case.Looking to finance a block purchase or complex residential acquisition? Speak to our team today. Loan Amount £3,683,292 LTV 70% Rate 0.84% pm Purpose Block Purchase Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorJune 3, 2026 Flexible Refurbishment Bridging made Simple We recently delivered a £630,000 residential bridging loan at 70% LTV, supporting a borrower in acquiring a property in Forest Gate, East London, with a clear plan to complete light refurbishment works and enhance the asset prior to sale. Why it Worked With a clear plan to add value through light refurbishment and exit via sale, we were able to structure a straightforward bridging solution that aligned with the borrower’s strategy. Speed, flexibility, and a common-sense approach ensured the deal progressed smoothly from start to finish.Strong collaboration with the broker also played a key role in overcoming minor challenges and maintaining momentum throughout. Broker Comments “The team handled all of our queries and concerns with the highest amount of professionalism and aptitude, we had a few hitches along the way, and it was great knowing that we felt comfortable bringing any of our concerns to you and your team.The speed of your staff and the experience conveyed within your loans team were rated very highly in our opinion and we would most definitely be referring our clients to you again in the future.We would like to thank you and the team for your help and guidance, and we’ll look forward to working with you all again soon.” Conclusion This deal highlights how residential bridging can provide the flexibility needed to acquire and improve properties, while also helping bring quality housing back to the market. In addition, KSEYE will fund the refurbishment works through a dedicated refurbishment facility of £200,000, released in arrears, ensuring the project is fully supported through to completion.At KSEYE, we pride ourselves on delivering flexible residential bridging solutions and working closely with brokers to get deals over the line.Working on a purchase with light refurbishment? Speak to our team today. Loan Amount £630,000 LTV 70% Rate 1.04% pm Purpose Purchase & light refurbishment Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorMay 28, 2026 £34m Bridge Loan of 42 Flat purchase We recently delivered a £34 million residential bridging facility at 70% LTV an a competitive 0.84% pcm rate, supporting the acquisition of 42 private leasehold flats withing a landmark new-build development in Elephant & Castle. Client circumstances The wider scheme comprises 81 units across two adjacent blocks, including affordable housing and commercial space. Our funding supported the purchase of the private residential element, helping bring high-quality rental accommodation to market in a key London location. Our Solution This transaction demonstrates our ability to structure large-scale residential bridging facilities for complex acquisitions. The purchase was completed across four SPVs, with cross-charged facilities creating a cohesive lending structure to support the transaction.Following completion, the units will be marketed for letting before refinancing onto longer-term BTL mortgages. By supporting this acquisition, we are helping bring professionally managed, high-quality rental accommodation to London, benefiting both the local housing market and future residents while providing the flexibility needed to execute a long-term investment strategy.At KSEYE, we pride ourselves on delivering residential bridging solutions at scale, whether for single-unit purchases or complex multi-asset acquisitions.Working on a large residential acquisition or portfolio deal? Speak to our team today.  Loan Amount £34,000,000 LTV 70% Rate 0.84% pm Structure Acquisition across 4 SPVs (cross-charged facilities) Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase

George O’ConnorMay 19, 2026 High-Speed MUFB Acquisition We recently supported a high-net-worth investor in the purchase of a 6-flat semi-commercial MUFB, achieving 90% of the purchase price on a below market value transaction.This deal is a prime example of how speed, structure, and a pragmatic approach can come together to secure high-quality opportunities. Client circumstances An experienced High-Net-Worth (HNW) investor identified a 6-flat Multi-Unit Freehold Block (MUFB) going below market value. To secure the property and capitalise on this opportunity, they needed a lender who could move at lightning speed and understand the underlying value of the commercial asset. Our Solution With a time-sensitive opportunity, speed was everything. From application to funds being released, the deal completed in just 2 days, ensuring the client could move immediately and secure the asset. Combined with a below market value purchase and a competitive commercial rate, we were able to maximise leverage while maintaining a strong lending position.At KSEYE, we specialise in moving quickly on the right opportunities, helping clients secure assets others might miss.For quick purchases of commercial assets, Speak to our team today.  Loan Amount £1,044,000 LTV 65% Rate 1.04% pm Time to Completion 2 days Rates reflect products at the time the loan was completed Recent Posts Residential Bridging Finance for a Hyde Park Capital Raise Funding a 6-Unit HMO Conversion with Bridging Finance How a £2m Revolving Credit Facility Supported Residential Property Investment Residential Bridging Loan for Light Refurbishment in Catford Mixed-Use Bridging Loan for Below Market Value Purchase