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£2.5M Bridging Loan to Complete Super Home Development

Toby Johncox GROUP MD

Toby Johncox

Mortgage UK
Toby Johncox
GROUP MD

Toby Johncox

  • Loan Amount: £2,500,000
  • Estimated Value: £7,000,000
  • Purpose: Complete Development
  • Timeframe: Fast Completion Under Pressure

We were approached by a high-net-worth client who was midway through the construction of a luxury super home when an expected inflow of capital from another transaction was unexpectedly delayed. This left the client without the funds needed to complete the build — putting the entire project, timeline, and value at risk.

The part-completed property, located in a highly sought-after area, had an estimated value of £7 million upon completion. Time was critical, as further delays would increase costs and potentially compromise the integrity of the build.

We arranged a £2.5 million bridging loan secured against the development, enabling the client to keep contractors on site and continue work without interruption. Thanks to our strong lender relationships, we negotiated a competitive rate and ensured the process moved quickly, using a desktop valuation and streamlined legal process.

The loan gave the client the breathing space needed to complete the project, protect its future value, and await the arrival of delayed funds without additional pressure.

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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.