Our Client Case Studies
Case Study: Supporting a Business Landlord with Portfolio Growth
At HFA Bridging & Commercial, we often work with experienced landlords who are ready to expand but require flexible, tailored finance solutions to make their plans a reality. One recent client case illustrates how our expertise and access to a wide panel of lenders can unlock growth opportunities.
The Challenge
Our client was a successful business landlord with a small but profitable portfolio of mixed-use properties. With demand for commercial rental space rising in their area, they identified an opportunity to acquire several additional units being sold as part of a portfolio disposal. The acquisition would significantly increase their rental income and asset base.
The challenge was timing and structure. Traditional lenders were unable to move quickly enough to meet the seller’s deadlines, and the client also wanted to avoid overleveraging their existing properties. They needed a solution that balanced speed, flexibility and long-term sustainability.
Our Plan of Action
After an in-depth consultation, we developed a two-stage plan:
1. Bridging Loan for Speed
We sourced a short-term bridging loan from a specialist lender, allowing the client to complete the purchase within the seller’s required timeframe. This solution provided immediate access to funds without disrupting the cashflow of their existing portfolio.
2. Commercial Investment Mortgage for Stability
Once the acquisition was complete and new tenants secured, we refinanced the bridging loan into a competitive commercial investment mortgage. This longer-term facility spread costs effectively, reduced monthly repayments and aligned with the client’s broader strategy of sustainable portfolio growth.
The Outcome
With our support, the client successfully acquired the new properties and immediately benefited from a stronger rental income stream. The transition from bridging finance to a commercial mortgage gave them financial stability and the confidence to focus on managing their expanded portfolio.
This strategic approach not only preserved their existing assets but also positioned them to explore further acquisitions in the future. By structuring the finance in stages, we ensured both speed and long-term value were achieved, which is something that would not have been possible through traditional lending routes alone.
A Vision for Growth
The client now has a more diverse portfolio, improved cashflow and greater resilience against market fluctuations. Their vision of becoming a leading landlord in their region is firmly on track, supported by the financial framework we helped put in place.
Could This Be You?
If you are a landlord or investor looking to expand your portfolio but need the right finance solution to make it happen, HFA Bridging & Commercial can help. Our tailored approach ensures you get the right funding, at the right time, on the right terms.
Get in touch with us today to discuss your next opportunity.
Case Study: Funding Business Growth with the Right Premises
At HFA Bridging & Commercial, we know that business growth brings both opportunities and challenges. One of our recent clients, a fast-growing service-based company, faced a critical decision: should they develop their existing premises to create more space, or refinance to purchase a larger property better suited to their expanding team?
The Challenge
The company’s success meant they had quickly outgrown their office. Staff numbers had doubled in just two years and the current site was no longer fit for purpose. Productivity was being affected and client-facing operations were restricted.
The directors had two options: invest heavily in refurbishing and extending the current premises, or relocate to a larger building. Both routes required substantial funding and they were unsure which option would deliver the best long-term return. Time was also critical, as they had already secured several new contracts that would require onboarding additional staff.
Our Plan of Action
HFA carried out a full financial review and property assessment with the directors. This included analysing the costs of refurbishment, the potential uplift in value and the likely financing structures available. We also assessed the market for suitable alternative properties and the borrowing terms attached.
Our recommendation was a two-pronged approach:
1. Development Finance Option
We demonstrated how refurbishment could be funded through a development facility, releasing capital against the enhanced value of the improved property. This option was attractive for its potential to maximise the value of their existing asset.
2. Commercial Mortgage Option
In parallel, we sourced terms for a competitive commercial mortgage that would allow the business to refinance and purchase a larger property. This option provided stability, greater capacity for future growth, and avoided the disruption of lengthy building works.
By presenting both pathways with clear costs, timescales and cashflow models, the directors were able to make an informed decision.
The Outcome
The client chose to refinance and purchase a larger, modern premises through a tailored commercial mortgage package we secured on their behalf. The facility offered manageable monthly repayments, freeing up working capital to support recruitment and ongoing expansion.
With the new premises, the business has been able to accommodate its growing team, streamline operations and welcome clients into a professional space that reflects its ambitions.
A Vision for Growth
This move not only solved immediate space challenges but also positioned the business for sustainable growth. With room to expand further, the directors can focus on winning new contracts and developing staff without property constraints holding them back.
Could This Be You?
If your business is growing and you’re weighing up development versus relocation, HFA Bridging & Commercial can help you find the right funding solution.
Contact us today to explore your options and unlock your next stage of growth.
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Contact us today to schedule a consultation or to learn more about our services.
Case Study: Helping a Small Landlord Build a Future Portfolio
At HFA Bridging & Commercial, we understand that every property journey has to start somewhere. For smaller landlords, the first few steps can be the hardest, especially when it comes to accessing the right finance to support growth. One of our clients recently approached us with ambitions to expand from a single rental property into a sustainable portfolio but needed guidance on how best to structure their finances to make it possible.
The Challenge
The client owned one buy-to-let property, which was performing well and generating a modest rental income. They had identified a second residential property at auction that was ideal for long-term letting, but securing it required a quick turnaround. Traditional lenders were unwilling to move at the pace needed, and the client was also concerned about overextending their personal finances at an early stage in their journey.
They needed a solution that not only helped them complete this purchase but also laid a foundation for future acquisitions.
Our Plan of Action
We started by assessing the client’s current position, including equity in their existing property, available capital and long-term portfolio ambitions. From there, we created a phased finance strategy:
1. Bridging Finance for Speed
We arranged a short-term bridging facility to enable the client to secure the auction property without delay. This avoided the risk of missing out while allowing time to plan the next step carefully.
2. Transition to a Residential Investment Mortgage
Once the refurbishment works were completed and the property was let, we transitioned the client onto a residential investment mortgage with favourable terms. This ensured sustainable monthly payments while freeing up equity.
3. Future Portfolio Planning
Alongside the immediate deal, we helped the client map out a strategy for future purchases, showing how equity release and careful refinancing could be used to grow steadily without taking on unsustainable debt.
The Outcome
With our support, the client successfully purchased their second rental property and placed reliable tenants within weeks of refurbishment. The bridging loan was repaid in full through the longer-term mortgage and the client now has two income-producing properties with sufficient equity to consider a third acquisition in the near future.
A Vision for the Future
By structuring their finances properly from the start, the client has avoided common pitfalls faced by new landlords and built the foundation for a profitable, scalable portfolio. Their confidence has grown alongside their assets, and they are now on a clear path to achieving their long-term investment goals.
Could This Be You?
If you are a landlord looking to take the next step in building your property portfolio, HFA Bridging & Commercial can provide the guidance and finance solutions you need. Get in touch today to start growing your future portfolio with confidence.