Inspired Lending completes £240k refinance and capital raise for UK expat borrower

08 May 2026

Inspired Lending has completed a £240k bridging loan facility for a UK national currently living and working in the United States, secured against a tenanted buy-to-let property in Surrey at 50% LTV.

The 12-month facility was structured to refinance the borrower’s existing buy-to-let mortgage while also raising additional capital to support business cashflow requirements.

Given the borrower’s overseas status and the need for a timely completion, the case was progressed using a desktop valuation, supported by an internal property inspection, with documentation executed via DocuSign to streamline the process.

The agreed exit strategy is a refinance of the buy-to-let asset onto a longer-term facility.

The case required a practical approach to underwriting, balancing the security of a well-performing tenanted asset with the borrower’s need to access capital quickly, while managing the added complexity of an overseas income profile.

Inspired Lending continues to support borrowers with a range of short-term funding requirements, including capital raising and refinance, with a focus on delivering certainty and speed where timing is critical.

Gavin Diamond, CEO of Inspired Lending, said:

“Cases involving overseas borrowers tend to test whether a lender can move beyond a standard process and look at the fundamentals properly. In this instance, the asset was stable, the tenancy provided ongoing income, and the exit via refinance was clear, so the focus moved to how quickly that capital could be made available without introducing unnecessary friction.

“What often matters in these situations is not just access to funding, but how that funding is structured around what the borrower is trying to achieve outside of the property itself, particularly where capital is being redeployed into a business. That requires a level of judgement which goes beyond surface level assessment.

“By keeping the underwriting focused on the strength of the security and the credibility of the exit, we were able to complete efficiently while still maintaining the level of scrutiny you would expect in the current market.”

For more information, visit: https://inspiredlending.co.uk