Swift Bridging Finance to Secure a Dream Downsize

The Scenario

Our clients had found their ideal home—a beautifully located property in central Shrewsbury, Shropshire, perfect for their next chapter. The agreed purchase price was £1,250,000. However, the opportunity came to market slightly ahead of their timeline. Their current home was unencumbered and valued at £1,450,000, but had not yet sold.

To secure the purchase, they needed to be fully proceedable—yet lacked the income for a conventional mortgage and did not have liquid savings to support a cash purchase.

The Challenge

Without being proceedable, the offer would not have been accepted by the vendor or agent. A conventional mortgage was not viable due to affordability constraints, and time was of the essence.

Our Solution

We sourced a bridging loan from a lender who could act swiftly, offering terms only marginally above standard mortgage rates. The structure of the facility included:

• Rolled-up interest for a 12-month period—meaning no monthly payments

• Speedy underwriting and completion, allowing the purchase to proceed without delay

• A net loan of £1,250,000, secured against their current unencumbered property

The Outcome

The clients successfully completed on their new home, with no disruption to their plans. Within just four months, they sold their original property and repaid the bridging facility in full— with only four months' worth of interest accrued.

This case is a great example of bridging finance being used as a practical and cost-effective tool to facilitate lifestyle-focused decisions, without compromise or delay.