Buying your first investment property is a major milestone, and doing so under pressure, with a foreign deposit and visa-based residency, adds layers of complexity. In this case, we supported a first-time property investor working under tight time constraints, helping them complete their purchase despite a sudden change in loan structure just days before completion by utilising bridging finance.
A UK-based accountant working at a global professional services firm was keen to purchase their first UK property as a long-term investment. As a first-time property investor, the client had already committed a £100,000 deposit before speaking with an adviser and was under pressure to meet an early completion deadline.
The funding strategy included a financial gift from their parents, held overseas in China, and they were navigating the process while residing in the UK on a Skilled Worker visa.
Their objective was to secure the mortgage, protect the deposit, and establish a solid foundation for future property investments.
Several factors made this case particularly urgent and intricate:
The client was understandably anxious about the risk of losing their deposit and sought immediate reassurance and expert guidance to move forward.
We prioritised urgency, clarity and reassurance. Working closely with the lender, we arranged a bridging finance solution that could be approved and released swiftly while meeting all compliance requirements around gifted overseas funds.
Throughout the process, we kept the client informed and confident with consistent updates, managing expectations while navigating lender requirements.
When the original loan structure became unviable shortly before completion, we acted fast, restructuring the loan and securing revised terms within 48 hours, enabling the client to meet their completion deadline.
The client was able to enter the UK property market with confidence, supported through every step of their first experience as an investor and landlord.
“Andrew has been very supportive throughout the whole process.
A lot of unexpected things occurred before the funds were released, like having to change the loan amount. Andrew helped sort it out in a very short time, within one day or so. He’s been incredibly helpful. I wouldn’t have made the completion without his help chasing the lender.”
This case illustrates the value of agile, informed advice in time-critical scenarios. The client was introduced to us at a vulnerable point in their transaction, with funding unconfirmed and deadlines approaching. Our ability to quickly identify a bridging finance solution, maintain strong communication and restructure the loan in a matter of days was central to securing a successful outcome.
Beyond the technical delivery, the real impact was in giving the client peace of mind, protecting their capital and setting them up for the next stage of their investment journey.
This is a case study and not indicative of typical results. Past performance is not necessarily representative of future results. This information is for general purposes only and does not constitute financial advice. Please seek professional advice before making any financial decisions.
Please note: a bridging loan is a short-term loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any debt secured on it. The Financial Conduct Authority does not regulate some forms of bridging finance. Bridging finance / loan deals may not be available and lending is subject to individual circumstances and status.