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Case examples Alan Kimber, 04 Jun 2026

£620k loan. Auction deadline pressure. Refinance exit.

Scenario

We supported a broker with a customer who needed to:

  • Secure a main residence purchased at auction within a strict deadline

  • Access short term funding before moving onto a residential mortgage

  • Manage a full valuation requirement within a compressed timeline

Timing was tight, and the broker needed speed and certainty.

Outcome

We provided:

  • Loan amount: £620,000

  • LTV: 70%

  • Product: Standard

We used a streamlined legal process with joint representation to keep momentum. The valuation was prioritised to avoid delays and maintain the completion window.

The exit was refinance, allowing the customer to move onto a residential mortgage and secure their first home.

Why it worked

  • Speed where it mattered

    The case moved from decision in principle to completion in 10 working days, meeting the auction deadline.

  • Flexible approach

    Joint representation reduced legal friction and supported a faster turnaround.

  • Structure aligned to the deal

    The bridging loan acted as a clean stepping stone between auction purchase and long-term finance.

  • Broker advantage

    The broker delivered on a high-pressure deal and secured a positive outcome for their customer.

Got a case like this?

Speak to your specialist finance manager or call 0800 116 4385.