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Case examples Alan Kimber, 06 Aug 2026

£1.2M loan. title insurance. 11 working day completion.

Scenario

Supported a broker with a customer who needed to:

  • Refinance an existing development loan before the current lender's terms expired

  • Avoid default penalties by completing within a tight timeframe

  • Secure additional funding to complete the final stages of a residential development

  • Move quickly while managing a full valuation requirement

With a time-sensitive deadline, the broker needed a lender that could deliver both speed and certainty.

Outcome

We provided:

  • Loan amount: £1.2m

  • LTV: 75%

  • Product: Non-regulated bridging

The bridging loan refinanced the existing borrowing while providing additional capital to complete the development. A full valuation was undertaken, with title insurance and a joint representation legal structure helping to streamline the legal process and support a fast completion.

The planned exit is through the sale of the completed development.

Why it worked

  • Fast delivery

    The case moved from application to offer in seven working days and completed just four working days later, with funds released in a total of 11 working days.

  • Efficient legal approach

    The use of title insurance alongside joint representation helped accelerate the legal process without compromising the necessary oversight.

  • Funding beyond the refinance

    In addition to repaying the existing lender, the facility provided further funding to complete the final stages of the development, supporting the client's planned exit strategy.

  • Broker advantage

    The broker was able to help their customer avoid default penalties, refinance on time and secure the funding needed to complete the project.

Got a case like this?

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