100% Gross Bridging Loan Secures Six Buy-to-Let Portfolio Acquisition
- Thomas Brogan
- 2 days ago
- 3 min read
Finding the right investment opportunity is only half the challenge in property. Securing the right funding to move quickly can often be the deciding factor between completing a deal and missing out.
This recent transaction demonstrates how tailored property finance enabled our client, Embley Asset Management Limited, to acquire a portfolio of six buy-to-let properties with no deposit required from their own capital.
The Opportunity
Our client identified an attractive portfolio of six buy-to-let properties that was being offered below market value. It represented an excellent opportunity to acquire multiple income-producing assets at a significant discount, creating immediate equity and strong long-term investment potential.
However, like many portfolio acquisitions, speed was essential. Traditional lending options would not provide the flexibility required, and the client wanted to preserve their own capital for future investments and planned refurbishment works.
The Challenge
The objective was to secure funding that would:
Enable the purchase of the entire portfolio.
Minimise the client's upfront capital contribution.
Complete within the required timescales.
Support the client's wider investment strategy.
Rather than tying up substantial cash in the acquisition, the client wanted to maximise leverage and retain liquidity for improving the properties after completion.
Our Solution
After assessing the transaction, we sourced funding through Ultimate Finance, securing a £1,297,500 bridging loan that funded 100% of the gross purchase price.
This structure meant the client was able to complete the acquisition without providing additional capital towards the purchase deposit, allowing them to preserve funds for the next stage of their investment strategy.
By understanding both the opportunity and the client's long-term objectives, we were able to arrange a funding solution that aligned perfectly with their plans.
The Exit Strategy
Following completion, the client intends to refurbish selected properties within the portfolio to enhance both rental demand and capital value.
Once the refurbishment programme has been completed, the properties will be fully let before being refinanced onto long-term investment finance.
The anticipated uplift in value will allow the client to release additional equity through the refinance, creating further capital that can be reinvested into future property acquisitions and continued portfolio growth.
This is a classic example of investors using bridging finance not simply as short-term funding, but as a strategic tool to accelerate portfolio expansion.
The Result
£1,297,500 bridging loan secured.
Six buy-to-let properties acquired below market value.
100% gross purchase price funded.
No additional capital required towards the purchase deposit.
Client positioned to refurbish, refinance and continue growing their portfolio.
Broker Insight
"This transaction is a great example of how the right funding structure can unlock opportunities that may otherwise be difficult to achieve. By understanding our client's long-term strategy, we were able to source a facility that not only enabled the purchase but also allowed them to preserve capital for future investment.
Property investors who move quickly on the right opportunities often achieve the strongest results, and we're proud to help clients put the right finance in place to make that happen." - Thomas Brogan, Property Finance Broker
Looking for Funding for Your Next Property Investment?
Whether you're purchasing a single investment property, expanding your buy-to-let portfolio or funding a refurbishment project, we can source competitive finance solutions tailored to your objectives.
If you've identified your next opportunity, speak to our team to find out how we can help you secure the funding to make it happen.
