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Westminster Bridging Finance Case Studies

Real deals, real results. Discover how we have helped property investors, developers and homeowners secure fast bridging finance across the City of Westminster.

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Real Westminster Bridging Deals

Every Westminster bridging finance case study on this page represents a genuine transaction that we have arranged for a real client. While names, exact addresses and certain identifying details have been anonymised to protect client confidentiality, the loan amounts, terms, rates, timelines and outcomes described are all drawn directly from our completed deal book. These case studies demonstrate the breadth of bridging finance scenarios we handle across the City of Westminster on a regular basis.

From high-value Mayfair townhouse acquisitions requiring millions of pounds at short notice, to value-add refurbishment projects in the Church Street regeneration zone and time-critical auction purchases in Victoria, our team has the experience and lender relationships to structure bridging loans for virtually any property scenario in Westminster. We work across all bridging loan types including first charge, second charge, regulated, unregulated, refurbishment, auction and commercial bridging finance.

Whether you are a first-time investor exploring opportunities in Westminster or an experienced developer with a complex multi-unit scheme, these case studies illustrate our ability to find solutions where mainstream lenders cannot. We encourage you to read through them and consider how a similar approach might work for your own property plans. If you recognise your own situation in any of these case studies, get in touch to discuss how we can help, or use our bridging loan calculator to estimate your costs.

Mayfair Townhouse Acquisition

MayfairFirst Charge Bridging

Loan Amount

£4,200,000

Property Value

£6,500,000

Term

9 months

Rate

0.55% per month

Completed In

12 days

The Challenge

Our client identified a rare opportunity to acquire a Grade II listed Georgian townhouse in Mayfair that had come to the market through a private sale. The vendor required an exchange within 14 days and completion within 28 days, making traditional mortgage finance impossible. The property also required a specialist heritage valuation which added complexity, and the client's existing wealth was largely tied up in illiquid overseas investments that could not be liquidated quickly enough to fund the purchase.

Our Solution

We arranged a first charge bridging loan of £4.2 million at 65% LTV against the Mayfair townhouse, securing terms of 0.55% per month over a 9-month term. Our network of specialist heritage valuers delivered the valuation within 5 working days, and our legal panel expedited the title review on the listed property. We structured the exit via a private bank mortgage application that was submitted simultaneously with the bridging loan, ensuring a smooth transition to long-term finance.

The Outcome

The bridging loan completed in just 12 working days, enabling the client to secure the townhouse ahead of two competing bidders who could not match the speed. The property was subsequently valued at £7.1 million following a light refurbishment programme, and the client refinanced onto a competitive private bank mortgage within 7 months. The total cost of bridging finance was significantly outweighed by the estimated £600,000 discount achieved through the speed of the transaction.

Learn more about bridging finance in Mayfair →View all bridging loan types →

Paddington Basin New-Build Purchase

PaddingtonChain Break Finance

Loan Amount

£980,000

Property Value

£1,450,000

Term

6 months

Rate

0.59% per month

Completed In

10 days

The Challenge

A professional couple had reserved a two-bedroom apartment in a prestigious Paddington Basin development with a completion deadline set by the developer. Their existing property in Marylebone was under offer but the buyer's chain had collapsed just three weeks before the new-build completion date. Without bridging finance, the couple faced losing their £145,000 reservation deposit and the apartment they had waited 18 months to secure. The situation was further complicated by the fact that the purchase was for their primary residence, requiring regulated bridging finance.

Our Solution

We arranged a regulated chain break bridging loan of £980,000 at 68% LTV, structured to allow the couple to complete on their Paddington Basin apartment while their Marylebone property was remarketed. The regulated nature of the loan provided full FCA consumer protection, and we ensured the 14-day reflection period was factored into the tight timeline. Our broker team worked closely with the developer's solicitors to coordinate the completion mechanics and ensure all parties were aligned.

The Outcome

The bridging loan completed within 10 working days, well within the developer's deadline, saving the couple's reservation deposit and securing their new home. Their Marylebone property sold within 8 weeks to a new buyer at the original asking price, and the bridging loan was fully repaid within 4 months. The total bridging cost of approximately £23,000 was a fraction of the deposit they would have forfeited, and the couple are now settled in their Paddington Basin home with excellent Elizabeth Line connectivity.

Learn more about bridging finance in Paddington →View all bridging loan types →

Church Street Regeneration Project

Church StreetRefurbishment Bridging

Loan Amount

£520,000

Property Value

£750,000

Term

12 months

Rate

0.72% per month

Completed In

8 days

The Challenge

An experienced property investor identified a three-bedroom Victorian terraced house in the Church Street regeneration zone that had been neglected for over a decade. The property required extensive refurbishment including a new roof, full rewiring, replumbing, and a rear extension to realise its potential. The investor needed finance to cover both the acquisition at £520,000 and approximately £180,000 of renovation works, but traditional lenders would not consider the property in its current condition due to its lack of a functioning kitchen and bathroom.

Our Solution

We structured a refurbishment bridging loan with staged drawdowns, providing £520,000 on day one for the acquisition and a further £180,000 released in three tranches as works progressed. The facility was arranged at 0.72% per month with a 12-month term, giving the investor sufficient time to complete the comprehensive refurbishment programme. We appointed a monitoring surveyor to sign off on each stage of works before releasing the next tranche, protecting both the lender and borrower's interests throughout the project.

The Outcome

The acquisition completed in just 8 working days, and the refurbishment programme was delivered on time and on budget over 9 months. The fully renovated property was independently valued at £1.05 million upon completion, representing a gross uplift of over £350,000. The investor refinanced onto a buy-to-let mortgage at 4.8% and the property now generates a monthly rental income of £2,800, benefiting from the ongoing Church Street regeneration programme that continues to lift values in the area.

Learn more about bridging finance in Church Street →View all bridging loan types →

Soho Commercial-to-Residential Conversion

SohoCommercial Bridging

Loan Amount

£1,650,000

Property Value

£2,400,000

Term

18 months

Rate

0.68% per month

Completed In

14 days

The Challenge

A property development company sought to acquire a former office building on a Soho side street with permitted development rights to convert the upper floors into four luxury residential apartments while retaining the ground floor commercial unit. The vendor was a distressed seller requiring completion within 21 days, and the complex mixed-use nature of the project meant mainstream lenders could not process the application within the required timeframe. Additionally, the development required planning consent for external alterations that had not yet been submitted.

Our Solution

We arranged a commercial bridging loan of £1.65 million at 69% LTV to fund the acquisition, with the facility structured to accommodate the mixed-use security and the planned conversion works. The 18-month term provided sufficient runway for the planning application, building works, and individual apartment sales. We sourced the loan from a specialist lender experienced in Soho mixed-use properties who understood the permitted development framework and the premium values achievable in the W1 postcode.

The Outcome

The acquisition completed in 14 working days, securing the property before a rival bidder. Planning consent for the external alterations was granted within 4 months, and the conversion works were completed in 11 months. The four apartments were sold off-plan for a combined £3.8 million, with the ground floor commercial unit retained and re-let at £85,000 per annum. The total project generated a gross profit exceeding £900,000 for the developer after all finance costs and construction expenditure.

Learn more about bridging finance in Soho →View all bridging loan types →

Victoria Auction Purchase

VictoriaAuction Finance

Loan Amount

£1,100,000

Property Value

£1,550,000

Term

8 months

Rate

0.62% per month

Completed In

19 days

The Challenge

An investor spotted a two-bedroom apartment in a sought-after Victoria mansion block listed at a major London auction house with a guide price significantly below market value. The property required cosmetic refurbishment but was structurally sound, and the investor believed it represented exceptional value in a building where comparable flats had recently sold for over £1.8 million. The challenge was securing finance quickly enough to bid with confidence on auction day and then completing within the standard 28-day auction deadline, complicated by a short lease of 68 years that needed extending.

Our Solution

We provided a pre-approved auction bridging facility of £1.1 million at 71% LTV before the auction date, giving the investor certainty to bid competitively. The loan was structured at 0.62% per month over an 8-month term, with the exit strategy based on refinancing onto a standard mortgage once the lease extension had been completed through the statutory process. Our legal panel had experience with the specific mansion block's freeholder and was able to provide a realistic timeline for the lease extension, which gave the lender comfort on the exit route.

The Outcome

The investor successfully acquired the property at auction for £1.55 million, approximately 15% below comparable sales in the building. The bridging loan completed within 19 days of the auction, comfortably within the 28-day deadline. The cosmetic refurbishment was completed within 6 weeks at a cost of £45,000, and the lease extension was agreed informally with the freeholder within 4 months. The property was subsequently valued at £1.85 million with the benefit of the new lease, and the investor refinanced onto a buy-to-let mortgage, generating a rental income of £3,200 per month.

Learn more about bridging finance in Victoria →View all bridging loan types →

Have a Similar Deal in Mind?

Whether your Westminster property deal mirrors one of our case studies or presents an entirely new challenge, our specialist brokers are ready to find you the right bridging finance solution. Submit your details below for a same-day decision in principle, or call us directly to discuss your requirements.

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