£1.1M Commercial Mortgage Secured to Overcome Title and Lender Issues

A property investor client approached us after experiencing frustration with their previous broker, due to poor communication and slow progress. With time being a key factor for this case, our focus was to fully understand the clients’ requirements and provide a more proactive, responsive approach.

The client’s goal was to purchase a new property, and they planned to use an existing asset from their portfolio as additional security. However, the security property consisted of a single unit split across two separate titles. Complications arose when it became apparent that their high street lender held a charge over only one of those titles. As the lender also held security across the client’s wider portfolio, they refused to release just the required title and instead called in the full outstanding debt. This created immediate pressure for the client and placed the intended purchase at risk, leaving them in urgent need of a lender who could act quickly and provide a practical solution.

We moved swiftly to identify a lender capable of structuring a deal that met both the client’s timeline and complex circumstances. A suitable solution was secured that provided 75% loan-to-value on the new purchase and 70% loan-to-value on the additional security. This structure generated sufficient funds to repay the existing lender in full, alleviating the pressure on the client and allowing the purchase to proceed without delay. Through clear communication and a proactive approach, we were able to deliver a smooth outcome, turning a challenging situation into a successful completion for the client.