Background
A client who had been running hotels for many years wanted to take the leap to buy her own premises. She found a beautiful property valued at £1.2m; a pub with 7 lettable rooms as well as two lettable units at the back that needed a refurb.
Challenge
The transaction came with a strict 8-week completion deadline, which is particularly challenging for a commercial property purchase.
In addition:
The client had no prior experience in commercial property investment or development
The asset required refurbishment to unlock its full income potential
The loan size and property type required careful structuring to satisfy lender criteria
Solution
To meet the tight deadline and complexity of the case, a tailored bridging finance solution was arranged:
A desktop valuation was agreed to accelerate the underwriting process
An 18-month bridging loan term provided sufficient time for refurbishment and exit
A second charge on the client’s residential property was used to strengthen the overall security position
Close collaboration with the lender ensured a practical, solution-led approach throughout
This structure allowed the client to move quickly while maintaining a clear and achievable exit strategy.
Outcome
The client successfully completed the purchase using a commercial bridging loan with MS Lending at 1.1%. securing the property within the required timeframe.
With funding in place:
The client will occupy the owner’s accommodation within the property
The residential property will be refinanced onto a buy-to-let mortgage to support loan repayment
The pub and rooms will be refinanced onto a commercial term mortgage once refurbishment is complete
This deal enabled the client to transition from operator to owner, creating long-term income potential and achieving a significant personal and professional milestone. A fantastic outcome for a wonderful client who has made her lifelong dream come true!
Abbie Dickson-Davies
