At Scale Property Finance, we specialise in structuring funding solutions for time-sensitive opportunities. In this case, we helped our client acquire a residential property in Liverpool with 100% of the purchase price funded—thanks to a bridging loan structured against the property’s true market value, not just the agreed purchase price.
🔍 The Challenge
Our client secured an off-market deal on a below-market-value (BMV) property in Liverpool with strong upside potential. But with a tight deadline and limited capital, they faced a number of challenges:
Fast Completion Required
The vendor wanted a swift, no-fuss sale—ruling out traditional mortgage finance.
Minimal Capital Available
The client wanted to avoid tying up personal funds to maintain liquidity for other investments.
Lender Valuation vs. Purchase Price
Most lenders base loans on the purchase price, which would have restricted borrowing.
💡 Our Bridging Finance Solution
At Scale, we structured a bespoke bridging loan that worked with the client’s strategy—not against it:
✅ 100% of Purchase Price Funded
We worked with a lender who based their loan on the open market value rather than the discounted purchase price—allowing the client to acquire the property with zero capital input.
✅ Quick, Smooth Completion
We coordinated all parties to ensure the deal progressed quickly, meeting the seller’s deadline and allowing the client to move forward without delays.
✅ Clear Exit Strategy
Scale Property Finance will of course help our client exit the bridging loan and onto term finance after 6 months have passed.
📈 The Outcome
💸 No Client Funds Required
The loan covered the full purchase price, enabling the investor to maintain liquidity for future deals.
⏱️ Deal Secured Quickly
The client was able to act fast and secure a high-potential property before it reached the wider market.
📊 Equity Growth Through Smart Structuring
By leveraging the asset’s market value—not just the purchase price—we enabled the client to maximise borrowing and future returns.
Why Scale Property Finance?
We craft funding strategies that support long-term portfolio growth. With access to lenders who understand investor goals and a team that knows how to present the right deal in the right way, we help clients go further, faster.
Sourcing a BMV property or need 100% bridging finance?
Let’s talk. We’ll help structure a deal that gets you moving with confidence.
👉 Get in touch with Scale Property Finance today to explore your options.
