Loans Warehouse complete 21 month bridging loan against high value asset

31 March 2026

Loans Warehouse successfully arranged and completed a £1.38m bridging loan secured against a substantial commercially owned property in Leicester. This case required careful structuring due to time pressures, legal complexity, and a nuanced exit strategy.

The client needed urgent refinancing to redeem an existing bridging facility that had reached the end of its term. With limited time to avoid default, the transaction required precise coordination between multiple parties. A key complexity was the exit strategy. Repayment of the loan was dependent on the sale of a high-value property, which by nature can take longer to market and complete. This introduced an element of timing risk, particularly given the size and uniqueness of the asset.

Additionally, a valuation shortfall created a funding gap, requiring adjustments to the structure of the loan to ensure completion remained achievable.

Loans Warehouse, led by Head of Bridging Sales, Greg Chase and Head of Bridging & Development Vikki Edwards, worked closely with MT Finance to structure a solution that addressed both the urgency of the refinance and the realities of the exit.

Recognising the challenges associated with selling a high-value property, MT Finance demonstrated flexibility by agreeing to a 21-month term. This ensured the client had sufficient time to achieve full market value without being forced into a rushed sale.

Vikki Edwards, Head of Bridging & Development, Loans Warehouse

“When you’re dealing with higher-value properties, the exit strategy is just as important as the security. Sales of this nature can take time, and it’s crucial the finance reflects that reality. By working closely with MT Finance, we were able to secure a longer-term solution that gave the client breathing space to sell properly, rather than under pressure. That’s where specialist lending really adds value.”

The final facility delivered a net loan of £1,388,594 at a rate of 0.89% per month, with interest retained.

The case required intensive management and communication across all parties, including solicitors Bexley Beaumont and Lawrence Stephens. Loans Warehouse coordinated rapid turnaround of legal requirements and documentation. Real-time communication between lender, solicitors, and introducer and same-day fund transfers to ensure redemption of the existing loan.

On the day of completion, over £1.36m was successfully transferred to redeem the existing lender, with discharge documentation issued shortly thereafter - The bridging loan completed successfully, securing the client’s position and providing a clear pathway to exit via property sale. The extended term ensured the client was not forced into a rushed disposal, protecting value and reducing risk.

Raphael Benggio, Director of Bridging at MT Finance added

"When a case is as complex and urgent as this was, it's vital that everyone takes a hands-on approach. Thanks to assistance from the brilliant Loans Warehouse team headed up by Vikki and Greg, we were able to complete the case as per the deadline, as well as ensuring we achieved the best outcome for the client."

This case highlights Loans Warehouse’s expertise in structuring complex bridging transactions, particularly where exit strategies require flexibility. By aligning finance with real-world property timelines, Loans Warehouse continues to deliver practical, client-focused solutions in the specialist lending market.