StreamBank completes £1.5m bridge to support £3m shopping-centre acquisition

30 September 2026

StreamBank, the specialist lender focused on bridging, commercial and buy-to-let finance, has completed a £1.5 million bridging loan to enable an experienced property investor to complete the acquisition of a £3 million regional shopping centre.

The 12-month facility allowed the borrower to release equity from a substantial residential asset in Ashbourne, Derbyshire, providing the additional capital required to complete the commercial property purchase in Peterlee, County Durham.

The loan was secured by way of a first legal charge against a Grade II listed period residence with multiple holiday-let units, additional land and ancillary accommodation. The property had an open market value of £3.75 million, resulting in an LTV of 44%.

Commercial finance had already been arranged to fund the majority of the shopping centre acquisition, but the borrower faced a funding shortfall that needed to be met within strict transaction timescales. StreamBank provided a £1.5 million net advance, with the gross facility totalling £1.647 million.

The transaction presented several complexities due to the specialist nature of the security. The property was held across multiple titles, while its Grade II listed status required additional legal review. Several EPC certificates also required updating following completion.

The borrower is an experienced property investor with a substantial portfolio and strong credit profile. The exit strategy is based on refinancing the residential security alongside the release of equity from the borrower’s wider property portfolio.

Aiman Maklad, Business Development Manager for London and the South at StreamBank, said:

“Complex security doesn’t necessarily mean a weak lending proposition. There were several points here that needed closer assessment, from the Grade II listed status and multiple titles through to an exit that relied on refinancing and equity elsewhere in the portfolio. The important thing was understanding whether those points created risks that could be managed, rather than treating them as reasons not to lend.

“The client was an experienced investor with substantial equity, a strong credit profile and more than one credible route to repayment. That gave us a good base from which to structure the facility. It also shows where bridging can be particularly useful - not simply funding a purchase directly, but releasing capital from one part of a portfolio to make another transaction possible within a fixed timeframe.”

To find out more about StreamBank, please visit streambank.co.uk.