Case Study – Bridging

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 Refurb Bridging Loan Unlocks Potential for MUFB Conversion Unlocking Value Through Bridging a North West London Block Purchase How to use bridging loans for Mixed-Use Multi-Unit Freehold Blocks Bridging Loans for Sustainable Property Development 10 Situations Where a Bridging Loan Can Be a Smart Financial Move

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 Refurb Bridging Loan Unlocks Potential for MUFB Conversion Unlocking Value Through Bridging a North West London Block Purchase How to use bridging loans for Mixed-Use Multi-Unit Freehold Blocks Bridging Loans for Sustainable Property Development 10 Situations Where a Bridging Loan Can Be a Smart Financial Move

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 Refurb Bridging Loan Unlocks Potential for MUFB Conversion Unlocking Value Through Bridging a North West London Block Purchase How to use bridging loans for Mixed-Use Multi-Unit Freehold Blocks Bridging Loans for Sustainable Property Development 10 Situations Where a Bridging Loan Can Be a Smart Financial Move

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 Refurb Bridging Loan Unlocks Potential for MUFB Conversion Unlocking Value Through Bridging a North West London Block Purchase How to use bridging loans for Mixed-Use Multi-Unit Freehold Blocks Bridging Loans for Sustainable Property Development 10 Situations Where a Bridging Loan Can Be a Smart Financial Move

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

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

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

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

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