UK Client Required Quick Turnaround Regulated Bridging Loan
Featured Snippet: Articus Finance acted decisively when a UK client required quick turnaround regulated bridging loan. We secured 80% LTV short-term finance, enabling her to purchase a dream property immediately while awaiting funds from a divorce settlement.
Introduction
When a UK client required quick turnaround regulated bridging loan, Articus Finance delivered a tailored solution designed to prioritise speed, certainty, and flexibility. In fast-moving housing markets, traditional mortgage routes are often too slow, leaving buyers at risk of losing opportunities. This case study illustrates how we mobilised private lending relationships to structure funding aligned with the client’s liquidity position and broader wealth strategy.
Client Background
The client, a UK national, was navigating the complexities of divorce. Under her settlement, she was due a significant lump sum, but accessing these funds could take up to 12 months. Meanwhile, she had identified a £700,000 property that required swift action to secure.
The client’s preference was to service monthly interest payments rather than roll them up, as this approach kept her borrowing costs transparent and easier to manage against cashflow. It was a pragmatic strategy: bridge her temporary liquidity gap without compromising wealth management objectives. This demonstrated the strength of regulated bridging finance for UHNW individuals who need financing at speed but with full control.
The Challenge
The transaction presented multiple challenges:
- The property purchase required completion within weeks, eliminating conventional mortgage lenders as a viable route.
- An 80% loan-to-value ratio was essential to minimise initial equity commitment.
- The facility had to allow early repayment to ensure swift exit once her settlement funds became available.
Standard high street lenders, constrained by lengthy processes and stringent criteria, could not accommodate. A specialist bridging broker with access to private lending networks was necessary.
Our Solution
Articus Finance rapidly identified a private lender ready to underwrite her circumstances and move decisively. The tailored finance structure provided:
- £560,000 gross loan facility secured against the £700,000 property (80% LTV).
- Monthly interest servicing, matching the client’s preference for clarity and control over costs.
- No minimum loan term, ensuring repayment flexibility the moment divorce funds were released.
- Completion within a narrow timeframe that ensured her property acquisition was not delayed.
This structure safeguarded her against unnecessary extended interest costs while securing the property. It reinforced the critical value of specialist knowledge in overcoming market obstacles.
Key Highlights
- Borrower: UK national, in the process of divorce.
- Property Value: £700,000 dream home.
- Finance Secured: £560,000 bridging loan at 80% LTV.
- Servicing: Monthly interest payments.
- Flexibility: Full repayment with no minimum term.
- Outcome: Successful acquisition within tight deadlines.
Why Articus Finance Delivered
Bridging finance success is rarely about standardised lending; it requires agility and relationships. Articus Finance delivered because we:
- Fast-tracked the transaction through close ties with private lenders open to bespoke solutions.
- Arranged high LTV lending, preserving liquidity critical to the client’s longer-term strategy.
- Incorporated repayment flexibility, ensuring an efficient exit without penalties.
- Handled the process discreetly for a high-value individual where privacy was paramount.
When a UK client required quick turnaround regulated bridging loan, our approach ensured she acquired her asset smoothly while preparing for her post-settlement financial plans.
Explore Related Insights
- Mortgages
- Private Bank Mortgages
- Bridging Loans
- Residential Bridging Loans
- Unregulated Bridging Loans
- Second Charge Bridging Loans
- Property Refurbishment Finance
- Financial Conduct Authority (FCA)
Final Thoughts
This case highlights how Articus Finance structured success when a UK client required quick turnaround regulated bridging loan. Our ability to align urgent funding needs with a private lender’s flexibility enabled a discreet, efficient, and effective outcome—underlining why specialist expertise is indispensable in competitive property markets.
