FRP Real Estate Advisory has completed a £4 million bridging loan against a prestigious unencumbered country estate in Hampshire, enabling an international client to unlock equity ahead of the sale of the property expected to complete this summer.
The transaction was completed via a private bank at 50% LTV, structured as a five-year tracker at 1.25 per cent over base rate, with no early repayment charges. The deal was structured as a pure equity release against the unencumbered asset, with loan proceeds earmarked for property development.
The case was led by Gareth Briggs, associate director of UK residential mortgages at FRP Real Estate Advisory. Gareth managed the project timeline from end to end, adapting the deal structure to accommodate the client’s evolving position, and working with the lender to deliver a solution that met the client’s requirements.
The client, an international entrepreneur and property developer, required a bespoke approach to credit assessment. The client’s complex tax structure and the breadth of their wider business interests required a lender willing to look beyond the property asset itself.
By presenting the full picture of the client’s commercial profile, FRP Real Estate Advisory secured a longer-term tracker structure that avoided the constraints of a traditional bridging loan and provided the extended sales period the client needed.
Comments
Gareth Briggs said:
“This was a transaction that required constant recalibration as the client’s circumstances evolved. A live sale in the background, a tight drawdown window, and a genuinely complex tax profile meant that every stage demanded close attention.
“The real unlock here was finding a lender willing to look beyond the bricks and consider the client’s wider business interests. That allowed us to move away from a traditional bridging structure entirely and secure a longer-term tracker that gave the client the runway they actually needed. That is the kind of outcome that makes the complexity worthwhile.”
Pictured in image: Gareth Briggs
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