Up to 75% gross LTV
Less any existing first or other charges.
Complex property and business finance · UK-wide
Your property. Your business. Your financial pressure. We find the funding solution.
We structure, not just source
For portfolio landlords, BRRR professionals and businesses facing complex financial situations. We look beyond standard lending criteria to structure funding around the assets, security and opportunity available.
Funding structured around assets, security and opportunity.
Existing charges considered
A first charge does not automatically mean the deal cannot proceed.
Third-party security
Additional security can be considered where appropriate.
Complex cases welcome
Specialist thinking for situations traditional lenders may struggle to accommodate.
When standard lending doesn't work
We look at the bigger picture.
Traditional lenders often focus on what doesn't fit. We begin by understanding the complete structure.
The value of your assets
Existing borrowing and charges
Available equity
Your property portfolio as a whole
Rental income and future potential
Additional security
Your wider business position
The exit strategy
Sometimes the right funding solution is not found by looking at one property in isolation. It is found by understanding the whole picture.
Featured specialism
Portfolio remortgages
Don't just remortgage a property. Refinance your strategy.
If you own multiple properties, your next remortgage should not necessarily be treated as an isolated transaction. Proper structuring can help make a fragmented portfolio work harder for your wider strategy.
Refinance existing borrowing
Release equity for future investment
Improve portfolio cash flow
Restructure expensive borrowing
Create capacity for future acquisitions
Deal with approaching maturities
BRRR finance
Buy. Refurbish. Rent. Refinance.
Funding for BRRR investors who think beyond the initial purchase. When costs rise, works run late, rental income has not settled or finance reaches maturity, specialist structuring matters.
01
Buy
02
Refurbish
03
Rent
04
Refinance
Complex security
Existing first charges are not necessarily a problem.
Many borrowers assume that because a lender already has a first charge, additional funding is impossible. That is not always the case. We consider the overall value of the available security and existing borrowing when exploring potential structures.
Existing first charges
Other secured borrowing
Multiple properties
Portfolio security
Third-party security
Complex ownership structures
Business assets
Time-sensitive situations
Business funding under pressure
When your business is under pressure, time matters.
Financial pressure does not always mean a viable business has failed. Sometimes cash is required before it arrives. Where appropriate, we explore funding secured against available assets to help address immediate pressures.
Discuss a confidential caseWorking capital
Supporting day-to-day operations.
Tax liabilities
Funding significant upcoming obligations.
Debt restructuring
Replacing unsuitable or expensive facilities.
Business continuity
Providing breathing space while longer-term solutions are implemented.
Why Your Lending Partner
Complex cases need more than a comparison website.
We look at the whole structure
Not just the application form.
We understand complex property borrowing
Portfolios, multiple lenders, existing charges and refinancing strategies require a broader view.
We don't automatically dismiss difficult cases
A complicated situation may require a different structure — it does not necessarily mean funding is unavailable.
Speed matters
We aim to give fast initial feedback so you understand whether there may be a route forward.
We structure, not just source
The objective is a funding solution that works for the wider transaction.
A clear first step
You may have more funding options than you think.
Whether you are looking to refinance a portfolio, recycle capital through a BRRR project, explore complex security or address serious business cash-flow pressure, start with a conversation. Fast. Confidential. Straightforward.