Unencumbered unit becomes a deposit engine
A retired investor’s locked capital released to fund the next phase of portfolio growth.
£240k
Equity released
60%
LTV on existing asset
2
New purchases funded
10 days
To completion
Portfolio growth stalled - equity locked in an unencumbered property.
An experienced landlord had fully paid off one of their properties but could not access the equity tied up in it. Traditional lenders required lengthy income assessments and would not move quickly enough to secure time-sensitive opportunities.
The Challenge
Rapid bridging charge released £240k in usable capital.
We placed a first charge bridging facility at 60% LTV against the unencumbered property. This released £240,000 in equity within 10 days, which the client then deployed as deposits across two simultaneous buy-to-let acquisitions.
Our Solution
One property funded two more.
The client completed both acquisitions within the same month. Each new property is now generating rental income, and the original bridging facility is being repaid through a refinance back onto a standard buy-to-let mortgage.
The Outcome
Equity released
£240,000
LTV
60%
New purchases
2 properties
Completion
10 days
Put your unencumbered assets to work.
Release equity fast and keep your portfolio growing.
Equity sitting idle is opportunity missed.