Real examples of how we structure finance when the situation is not straightforward.
Type of finance
Situation
Self Build Refinance · Cheshire
A £3.75 million residential refinance of a newly built Cheshire home, assessed on the latest year’s business net profits and structured mainly on interest only.
Residential Mortgages · Self Build · Large Loans · Complex Income · Interest Only · Refinance
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Bridging Finance
How we found a regulated bridging route to fund the final £700,000 of a bespoke self-built home, without using the client’s other properties as security.
Bridging Finance · Self Build
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Refurbishment Finance · Shrewsbury
Can you finance a property "flip" through an SPV while leveraging existing equity? For this Shrewsbury project, the answer was yes. By packaging a clear refurbishment plan and a dual-exit strategy, we secured a 12-month facility that allowed our clients to turn a moderate refurbishment into a significant six-figure return.
Refurbishment Finance · Limited Company & SPV
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Commercial Investment · Stafford
Securing 60% LTV funding for a multi-let commercial investment isn't straightforward when tenancies include business centre licences and income relies on property alone. Here's how we positioned the deal for success.
Commercial Finance
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Strategic Planning
How a 12-week window between exchange and completion was used to secure planning on a £2.25 million site, lift its value by over £4 million and fund the purchase.
Development Finance · Large Loans · Planning Gain
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Refinance · Manchester
ERG Finance refinanced a 31-unit freehold block in Manchester at 70% LTV, unlocking equity for an overseas purchase. Expert MUFB structuring, fast delivery.
Multi-Unit Blocks · Large Loans · Refinance · Portfolio Landlords
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Asset Slicing · Cheshire
ERG Finance structured an asset-slicing mortgage to help clients buy a £2.4M Cheshire property without selling their current home. Smart, flexible lending.
Residential Mortgages · Large Loans · Complex Income · Interest Only · Pensions & SIPP
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Second Charge Facility
ERG Finance delivered a flexible second charge overdraft facility to support fast property purchases at auction. Creative funding, on demand.
Buy-to-Let · Second Charge · Portfolio Landlords · Auction Purchases
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Hotel Conversion · Ludlow, Shropshire
See how ERG Finance secured development finance for the conversion of a Grade II listed hotel in Ludlow, Shropshire. A bespoke lending solution.
Development Finance · Listed Buildings
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Bridging Finance
ERG Finance arranged fast bridging finance to help a couple secure their dream downsizing property. Speed, strategy, and tailored support.
Bridging Finance · Large Loans
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Residential Mortgage
This case highlights our ability to deliver bespoke solutions, even where affordability is a stretch on paper.
Residential Mortgages · Holiday Lets · Large Loans · Complex Income · Interest Only
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Buy-to-Let Mortgage
Successfully refinanced property under favourable terms, maintaining liquidity in the portfolio without compromising on cost.
Buy-to-Let · Refinance · Portfolio Landlords
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Mixed-Use / SIPP · Shropshire / Worcestershire
How ERG Finance structured a £372,500 mixed-use freehold purchase — three apartments through a limited company SPV, and the commercial unit acquired by the client's SIPP.
Buy-to-Let · Commercial Finance · Multi-Unit Blocks · Pensions & SIPP · Limited Company & SPV
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