Recognise Bank completes £4.14m bridging refinance for residential portfolio in Twickenham and Surrey

25 February 2026

Recognise Bank has completed a £4.14 million bridging loan to support the refinance of a residential property portfolio.

The facility was agreed for an experienced residential investor and developer and secured against three residential properties located across Twickenham and Surrey. Introduced by Matthew Archer of Tapton Capital, the 10-month bridging loan completed at 75% loan-to-value (LTV).

The transaction enabled the borrower to refinance multiple existing facilities within a defined timeframe, with three separate loans requiring redemption simultaneously in order for the refinance to complete. The structure provided short-term funding flexibility while allowing time for the planned sale of the underlying assets.

While the overall structure was straightforward, the case involved a number of considerations. These included the coordination of multiple redemptions across different lenders and the use of three residential assets as security. The eventual lending decision reflected the quality and location of the properties, including two high-value residential assets in Twickenham, as well as the borrower’s experience within the residential market.

Timing was also a key consideration throughout the transaction. The borrower was based overseas for the duration of the approval and completion process, which required close coordination between all parties to manage communication, documentation and independent legal advice. Maintaining coordination across time zones was essential to ensuring the transaction progressed in line with expectations.

Completion allowed the borrower to successfully refinance the existing facilities and move into the next phase of their strategy.

The transaction was completed by Richard Winston, Lending Manager at Recognise Bank, who said:

“This was a refinance that required careful coordination due to the number of assets involved and the need to redeem multiple facilities at the same time.

“By working closely with the broker and maintaining clear oversight of the detail throughout the process, we were able to complete the transaction within the required timeframe to support the borrower’s timeline .

“This deal reflects our continued focus on providing pragmatic short-term property finance solutions for experienced investors, delivered through close collaboration with brokers and professional advisers.”

Matthew Archer, Broker at Tapton Capital, added:

“This was a complex multi-asset refinance with real time pressure. The borrower was close to expiry on their existing facility, so we had to keep the incumbent lender fully engaged while pushing the deal forward.

“We worked to a tight deadline, fast tracked valuations and moved straight into legals, all while the borrower was overseas. It was not straightforward, but everyone pulled together to get it done.

“A big thank you to the legal teams for their hard work, and especially to Richard at Recognise Bank for his steady support and clear approach throughout.”

To learn more about Recognise Bank’s commercial property lending, visit:
https://recognisebank.co.uk/