Client circumstances:
An experienced portfolio landlord required a single, bespoke loan facility to fund the acquisition of 48 separate property titles. The transaction was subject to an exceptionally tight, non-negotiable deadline with little to no room for flexibility. Adding to the overall complexity, each of the 48 titles presented its own distinct legal and underwriting considerations. To execute the deal efficiently, the client needed a commercial lender capable of taking a holistic view of the entire transaction rather than assessing each title in isolation.
MT Finance solution:
Understanding the complexities of the case and the strict timeframe for completion, our commercial underwriting team applied a common-sense approach, considering the client’s overall net worth and extensive track record as a portfolio landlord. Rather than routing the transaction through a traditional short-term bridge, we structured a bespoke loan facility providing 75% LTV across all 48 titles, taking the portfolio straight onto term. The underwriting team evaluated each title’s individual nuances while managing the entire structure under one master facility, ensuring the required speed and diligence were delivered simultaneously.
The benefits:
Taking advantage of our streamlined processes and appetite for complex portfolio deals, the transaction was completed comfortably within the critical timeframe. By bypassing a bridging facility and securing a direct-to-term loan at 75% LTV across all 48 titles, the client saved significant time and transactional costs. The tailored funding structure allowed the portfolio purchase to complete seamlessly, expanding the client’s asset base and rental yields without unnecessary operational delay.
Find out more:
Have you got a complex portfolio case on your table? We have the ability to take a view on cases no matter the complexity. Whether you’re looking to finance an acquisition, refinance existing debt, or unlock capital from commercial property, our commercial mortgages product range is designed to meet diverse financing needs.
