CASE STUDY
Overview
Faced with lender refusals, a time-sensitive bridging facility exit need and an unknown CCJ against her limited company, this professional landlord needed a refinance solution that accounted for more than just numbers. Despite owning a high-value holiday let portfolio upgraded to a premium standard, her previous adviser had been unable to progress the case.
During our initial review, we identified that a CCJ had been quietly undermining her applications and triggering lender declines. We immediately engaged with the client to make this finding known, understand the background and assess how we could create a narrative around this.
With this clarity, we refined the lending strategy, ruled out unsuitable options and focused on the right lenders from the outset. We secured just under £1.72M across four properties, overcame the obstacles with tailored structuring and ensured a timely bridging exit, freeing up capital for her next residential purchase and future investment plans.
Case Profile
| PROFESSION | Professional Landlord |
| RESIDENCY AND DOMICILITY | UK |
| PORTFOLIO TYPE | Holiday Let |
| OWNERSHIP STRUCTURE | Mixed (Personal & Limited Company) |
| COMBINED PROPERTY VALUE | £2,575,000 |
| TOTAL LOAN AMOUNT | £1,719,500 |
| LTV | 73.01% |
| PRODUCT TYPE | 2 and 5-Year Fixed Rates |
The Challenge
While the client presented a strong profile with a high-spec portfolio and clear investment strategy, her applications faced repeated lender declines due to the recently registered CCJ under her limited company. Before our involvement, the client was unaware of this as a root cause for delays and confusion.
The complexity of the case was further heightened by several key requirements:
- The need for lenders to accept seasonal holiday let income rather than standard ASTs.
- A swift timeline to exit an expiring bridging facility.
- Two of the properties were tied to a single bridging loan, meaning they had to complete simultaneously.
- The client had worked with a previous adviser who was unable to progress the case efficiently, prompting her to self-source a more effective solution.
Tailored Solution
From the outset, our goal was to eliminate unnecessary delays by identifying the right lenders immediately. We provided documented evidence to show why certain lenders were ruled out, enabling full transparency and keeping the client engaged in the strategy.
We took several key actions to deliver a successful outcome:
- Leveraged our strong lender relationship with the specialist bank to negotiate a 0.50% reduction in arrangement fees on two of the applications.
- Engaged directly with senior underwriters to fast-track decision-making and reduce administrative burdens.
- Maintained consistent, proactive communication with the bridging lender, securing an extension to allow a smooth exit.
- Coordinated both linked cases to ensure simultaneous readiness and avoid complications during completion.
Outcome
Despite the initial roadblocks, we completed all four applications, securing favourable terms tailored to the client’s profile. The equity raised will now fund the client’s next residential purchase and future investments.
In addition, we provided detailed breakdowns of capital availability and structured spreadsheets to support financial planning for upcoming projects. The client praised the clarity, speed and thoroughness of the service, particularly in contrast to previous experiences.
What Made This Case Different
This case reflects not only our ability to navigate technical lending criteria and complex timelines but also our commitment to client service. We remained hands-on throughout, ensured round-the-clock responsiveness and provided strategic guidance that extended beyond the immediate transaction.