Case Study –£1.2M Regulated Bridging Loan Supporting Main Residence Refinance

Loan Amount	£1,200,000
Term	24 months
Lender	Specialist Lender

Client

A couple in their 70s, referred by a later life adviser, required a refinancing solution at the end of their existing term. Their main residence, set within approximately 30 acres, combined with a repayment strategy linked to the future sale of business-owned land, placed the case outside traditional lending criteria.

The objective was to refinance, remain in their home, and create sufficient time to execute a planned asset sale without pressure.

The Solution

We secured a £1.2M regulated bridging loan over a 24-month term, significantly longer than standard market norms. A specialist lender was selected with appetite for complex residential estates and non-property-led repayment strategies. The case was supported by independent valuation evidence of the clients’ wider asset base, reinforcing their HNW profile and overall credit strength. The structure aligned funding with the timing of the planned asset sale, ensuring flexibility and continuity.

The Henry Dannell Difference

The key was identifying a lender comfortable with both the property characteristics and the repayment strategy. We repositioned the case beyond a standard residential assessment, evidencing wider asset strength and aligning risk with the client’s broader balance sheet. This enabled a regulated solution where traditional lenders could not assist, preserving the clients’ residence while delivering the time required to execute their strategy on favourable terms.