Case Study – Bridging

Supporting a Light Refurbishment Opportu...
Jun 03, 2026
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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 10 Situations Where a Bridging Loan Can Be a Smart Financial Move Supporting a Light Refurbishment Opportunity in East London £34m Residential Bridging in Elephant & Castle Application to Funds in Just 2 Days for 6-flat MUFB 10 Things You Should Consider Before Taking Out a Bridging Loan
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£34m Residential Bridging in Elephant &...
May 28, 2026
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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 10 Situations Where a Bridging Loan Can Be a Smart Financial Move Supporting a Light Refurbishment Opportunity in East London £34m Residential Bridging in Elephant & Castle Application to Funds in Just 2 Days for 6-flat MUFB 10 Things You Should Consider Before Taking Out a Bridging Loan
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Application to Funds in Just 2 Days for ...
May 19, 2026
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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 10 Situations Where a Bridging Loan Can Be a Smart Financial Move Supporting a Light Refurbishment Opportunity in East London £34m Residential Bridging in Elephant & Castle Application to Funds in Just 2 Days for 6-flat MUFB 10 Things You Should Consider Before Taking Out a Bridging Loan
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Residential bridge for refinancing of lu...
Jun 23, 2025
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Client circumstances A broker introduced a client who was looking for funds to refinance their current loan urgently as it was coming to an end. The security property was 4-bedroom apartment located on the lower and raised ground floors, formerly two self-contained flats which had been laterally converted.The Borrower’s 2nd charge facility had expired, and the Borrower was in the process of refinancing. Due to consent not being granted for a second charge facility the borrower was then unable to successfully refinance, part way through the process. A bridge loan was urgently required to prevent further action and to allow the Borrower time to exit. Our solution Communication between the borrower, broker and KSEYE was prompt and effective. Formal terms were issued within hours, and property valuation and legals were promptly instructed in order to meet the tight turnaround.KSEYE brings demonstrated value to clients facing urgent refinancing needs. Offering a dependable and speedy option can make all the difference in preventing adverse actions and providing the necessary breathing room for a smooth exit.Our process enabled us to complete this case in just 12 days, showcasing our commitment to rapid turnaround times. If your clients are seeking a fast and dependable refinancing solution, visit our product page to learn how our approach can benefit them.Speak to our team today Loan Amount £8,425,000 LTV 67% Rate 0.99% pm Time to completion 12 days Rates reflect products at the time the loan was completed
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Bridge for below market value purchase o...
Feb 20, 2025
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Client circumstances An introducer approached us on behalf of a client operating as a UK company who needed a bridging loan to complete the purchase of a mixed-use property available via private sale at below market value.The property in Guildford was made up of a retail unit on the ground floor, with two flats above. One of the flats required light refurbishment, which the client was aware of, with their intention to use savings to pay for the necessary works alongside making up the rest of the purchase price. Our solution As the client was a first-time buyer/landlord, the mixed-use nature of the property gave us confidence that the guarantor did not intend to live in the property. Given it was also a below market value purchase, they had an obvious reason for looking to acquire the property.The client was happy to provide proof of funds that they would use to complete the purchase and fund the required light refurbishment works. When our expert valuation partners inspected the property, they agreed with the client’s assessment of the cost of the works.To assist the client during the few months that the refurbishment works were due to take, we agreed to a part-retained, part-serviced interest payment schedule so that the serviced interest portion would begin when all three parts of the property were able to be let.As the client intended to make this the first property in a potential portfolio, we assessed the likelihood of being able to refinance into a term loan, and we were satisfied that this would be achievable. As a result of this, we were happy to provide the bridging loan funding they required.To learn more about KSEYE’s mixed-use bridging, including our rates at different LTVs, visit our dedicated product page. Loan Amount £364,000 Property Value £520,000 LTV 70% LTP 80% Rate 1.09% pm Time to completion 41 days Rates reflect products at the time the loan was completed
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Residential bridging for auction purchas...
Jan 31, 2025
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Client circumstances A trusted broker introduced a client who was looking for funding for two residential properties in Milton Keynes that they had acquired at auction. The two properties were both previously converted into a combined 9 self-contained flats.With a combined value of £600,000, the broker was aware that bridging finance would be the most appropriate route to secure funding for their client, and they were aware of KSEYE’s reputation as a trusted lender in meeting the tight deadlines associated with property auctions. Our solution With over 12 years of experience in bridging finance, we havewell-developed processes to meet deadlines for auction purchases,and so acted quickly and efficiently, beginning with issuing terms withinhours. When the client decided to go ahead with KSEYE, we instructed valuations of both properties with no delay.As the client was an experienced property investor, they knew what was required throughout the enquiry and application process, which helped the process to proceed smoothly.Visit our auction bridging loans product page to learn more about how your clients can benefit from our approach.  Loan Amount £476,000 Property Value £680,000 LTV 70% Rate 0.89% pm Rates reflect products at the time the loan was completed
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Commercial auction property with planned...
Dec 03, 2024
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Client circumstances A borrower who purchased a commercial property at auction for £1,265,000, turned to us for funding. A bridging loan was required in this situation to complete the acquisition within the short timeframe that comes with auctions.The property, based in North West London, was a vacant commercial property, which the borrower planned to convert into an 8-bed large HMO, in turn increasing the property value. However, this conversion would be subject to planning being approved. As a backup, if planning is not granted, the borrower would complete light refurbishments and either sell or refinance the property.In this instance, the borrower was already known to us, and we had previously completed a loan with them for another property in a similar circumstance. Our solution Our team is highly experienced in providing funding to help clients complete auction purchases, and so we were aware of the steps that needed to be followed in order to complete the loan by the payment deadline.The borrower was familiar with KSEYE due to previous loans, so there was only a small delay between enquiry and application. This helped the case stay fresh in the underwriter’s mind, which helped us to proceed quickly with the application. After the underwriting process was completed, and the valuation came back in line with the client’s expectations, we were highly confident that the loan was likely to redeem. This meant that we proceeded with the application, and following the legal steps the loan completed in advance of the client’s deadline.To learn more about our bridging loans for auction finance, visit our product page. Loan Amount £623,000 Property Value £890,000 LTV 70% Rate 1.15% pm Time to completion 40 days Rates reflect products at the time the loan was completed
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Repeat Borrower Receives Urgent Funding ...
Oct 30, 2024
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Client circumstances The loan was brought to us by a repeat borrower, who we knowas an experienced investor with a strong asset and liability portfolio. They needed urgent funding to purchase a commercial property in Sheffield. The property was a large, detached, single-storey retail unit, currently occupied by a well-known high-street chain.The borrower needed £682,500 to purchase the property, and with a tight timeframe to complete the purchase, a commercial bridging loan was the only available option. The client intended to re-gear the existing lease with the current tenant, increasing it substantially, which they believed would increase the property value by approximately 40%, and then sell. Our solution Due to the time-sensitive nature of this case, with funds urgently required for the transaction, we worked diligently to expedite the process, with underwriting and legal checks taking place as valuations were completed and solicitors were engaged by both KSEYE and the borrower.Their clear exit plan meant we only needed to consider the amount of time the property may take to sell and whether their proposed loan terms were appropriate, rather than having to determine how easy it would be to refinance with another lender.Throughout this process, our strong relationship with the client, awareness of their established property portfolio, and knowledge of their highly successful property investment, management, and services business, helped the loan process to be completed in good time to meet their urgent deadline. Loan Amount £682,500 Property Value £1,050,000 LTV 65% Rate 1% pm Time to completion 16 days Rates reflect products at the time the loan was completed
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Experienced client receives urgent bridg...
Oct 28, 2024
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Client circumstances The loan was introduced to us by one of our trusted broker firms on behalf of a repeat client who required urgent funds to complete an auction purchase of a 6-bed residential house located in Bromley.The house was in severely uninhabitable conditions, requiring light repairs and refurbishment before it could be tenanted. The scope of works included, but was not limited to; window repairs, lighting upgrades, plumping, plastering and painting. These refurbishments were not only essential to meet habitable standards for letting but also important for improving the EPC rating. Our solution Given the time-sensitive nature of this case, where funds were needed urgently to complete the purchase, it was vital that we acted quickly and efficiently. With our in-house legal team, experienced underwriter, and dedicated case managers working together on every deal, our team were able to identify and overcome any potential issues from the outset, ensuring we see the deal through to completion.Our valuation partners raised comments indicating that the property’s estimated value, in its current state, was ambitious. However, they also highlighted that if proposed repairs and refurbishments take place, the estimated value would be reflective of the property at the completion of the works. With the required works being necessary to improve the EPC rating to a level where the property could be let, our valuation partners were confident that once refurbishments were complete the property would be tenanted within the loan term.The client has a clear exit strategy, which involves refinancing the residential bridging loan into a longer-term loan with another lender. This provided us with reassurance that the loan would be paid in a timely manner, and thus, we were comfortable approving their application. Loan Amount £1,087,500 Property Value £1,600,000 LTV 68% Rate 1.08% pm Time to completion 27 days Rates reflect products at the time the loan was completed
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Business owners acquire property with co...
Aug 11, 2022
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Client circumstances We were contacted by clients seeking to acquire a commercial property in Harrow and required a bridging loan of £312,000 to achieve this.As well as being experienced portfolio landlords, the clients had operated a business from the commercial property for several years, including the upper floor used for storage. With the property becoming available for purchase, the clients were immediately interested in acquiring it to maintain it as the ongoing location for their business.With the option to convert the upper floor to a separate residential property available to be let out, the clients would have some flexibility on their use of the property depending on their business needs. Our solution As we were familiar with the clients, we already had an awareness of their experience and existing portfolio, making the information-gathering process a little easier. After learning of any changes in the circumstances, it was important to consider the property they wanted to acquire.Given they had been renting the property for several years for commercial purposes, they had a pre-existing landlord & tenant relationship with the party selling the property. With this in mind, the purchase could not be considered an arm’s length transaction. In this circumstance, it is vital to obtain an accurate valuation before proceeding and to ask for more information on the agreed price if necessary.After assessing the property, our valuation partners determined that the price agreed by the seller and the client was the fair market price for the property. They did not highlight any other areas of concern.With the clients’ plan to exit our loan through refinancing onto a longer-term commercial loan seen as appropriate, we were happy to approve their application for bridging finance. The benefits The clients completed the purchase of their desired commercial property after successfully obtaining bridging finance from KSEYE. This gave them an additional level of reassurance over the ongoing location of their business and reduced their regular outgoings due to no longer renting the property.While commercial bridging loans are more specialist than other forms of bridging finance, and they carry a slightly higher level of risk to lenders, we assess each application on its own merits. When considering an application for a loan where the client has an existing property portfolio and well-established business, some of that risk is mitigated.Learn more about the rates and business types we can provide finance for on our dedicated Commercial Bridging Loans page. Loan Amount £312,000 Property Value £480,000 LTV 65% Rate 0.95% pm Rates reflect products at the time the loan was completed
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