A LendInvest Case Study: Capital Raise for an Investment Opportunity with Regulated Bridging
Written by Michael Minnie
In a fast-moving property market, access to timely and flexible funding is essential. Bridging finance continues to support experienced investors looking to act quickly, whether that’s releasing equity, securing a purchase, or managing more complex personal circumstances.
For homeowners who may need to navigate unexpected financial challenges or a delayed sale, a regulated bridging loan may be the ideal solution.
This line of financing is designed to cover gaps during property transitions like chain breaks, buying at auction, funding renovations, quick capital raise or a quick purchase.
At LendInvest, our regulated bridging can offer reliable funding for all residential purchases.
Building income, building homes
From Residential Refinance to Investment Purchase: A Regulated Bridging Case Study
A broker approached LendInvest on behalf of a highly experienced property developer seeking to raise capital from their unencumbered main residence. The aim was to secure funds quickly to purchase an investment property in Norwich without delaying the transaction through a traditional refinance.
The broker required a lender that could take a pragmatic, supportive approach while maintaining clear communication throughout the process.
The security property was the borrower’s current residence, a 5-bed semi-detached house, converted from a barn and first occupied in 2022. Now valued at £1,000,000 and with no outstanding mortgage, the property provided strong security for the capital raise.
The borrower was intending to purchase an investment property in Norwich for £368,000.
Our team worked closely with the broker to ensure the case progressed smoothly, balancing speed and support through direct access to our team of underwriters and case managers.
In the end, we were able to structure a regulated bridging loan of £326,592.28, secured against the main residence, allowing the borrower to proceed with the purchase without delay.
Regulated bridging, simplified:
- Rates starting from 0.82%
- AVMs up to 65% gross LTV
- Dual representation: one solicitor for both parties, saving time and money
To find out how a regulated bridging solution could work for your project, speak to one of our dedicated bridging specialists today or start a quote!
The future of mortgage origination
LendInvest plc is a public limited company registered in England and Wales (No. 8146929). Registered
Office: 4-8 Maple Street, London, W1T 5HD.
LendInvest Mortgages and LI Mortgages are registered trading names of LendInvest Loans Limited. LendInvest Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN:737073). LendInvest Loans Limited is a company registered in England & Wales (Company No. 09971600) and is a wholly owned subsidiary of LendInvest plc.
Regulated lending is provided via LendInvest Loans Limited (Company No. 09971600). Unregulated lending is provided by LendInvest BTL Limited (Company No. 10845703) and LendInvest Bridge Limited (Company No. 11651573), which are wholly owned subsidiaries of LendInvest plc.
Borrowing through LendInvest and its affiliates involves entering into a mortgage contract secured against property. Your property may be repossessed if you do not repay your mortgage in full.