Case Studies
A selection of UK and Spanish finance transactions arranged by our team — private residential purchases, bridging, development and refinance across our two core markets.
In short
Our case studies show completed transactions across Spain and the UK: non-resident mortgages, high-value private-bank lending, short-term bridging on auction and chain-break purchases, development and commercial facilities. Each sets out the client profile, the challenge, the structure and the outcome.
United Kingdom
Bridging, high-value mortgages, commercial finance and portfolio refinance across the UK.
Bridging£1.3m · 65% LTV · 12-month regulated bridge
£1.3m regulated bridge to help a Leeds family secure a significantly larger home before selling their existing property — funded in under 3 weeks.
Overseas purchase£230k · c.25% LTV · 36 days to completion
A regulated bridging loan raised against an unencumbered Edinburgh home to secure a £230k apartment in Malaga, Spain — completed in 36 days.
Chain-break bridge£1.2m · 60% LTV · chain-break bridge
£1.2m chain-break bridge that saved a rural Oxfordshire purchase after the buyers' onward sale collapsed at the eleventh hour.
Time-critical£1.05m · 70% LTV · 8 working days to funding
£1.05m time-critical regulated bridge delivered in 8 working days so professional clients could secure a competitive North London purchase.
Bridge exit£809k · 60% LTV · 25-year term
£809k residential mortgage against a non-standard Hertfordshire countryside home — placed with a private bank willing to underwrite the unusual construction and refinance the existing bridge in full.
Portfolio refinance£4m · 70% LTV · 5-year fixed
£4m portfolio refinance for a Midlands property investment group — improving margin, releasing capital and consolidating multiple facilities into a single lender relationship.
Spain
Mortgages, bridging, development and refinance for UK and international buyers across Spain.
Successful mortgage€1.6m purchase · 70% LTV · primary residence
A 70% LTV Spanish mortgage was secured through a specialist partner for a UK tax-resident international professional relocating to a €1.6m primary residence in Estepona.
Successful mortgage€750k purchase · 70% LTV · holiday home
A 70% LTV Spanish mortgage was secured through a specialist partner for UK-resident joint applicants — one salaried, one long-established self-employed — buying a €750k holiday home on a Murcia golf resort.
€3.24m · 60% LTV · interest-only
€3.24m interest-only facility for a UK technology entrepreneur acquiring a €5.4m front-line beach villa in Marbella — application to offer in 4 weeks.
Developer Loan€4.5m · 43% LTV · 36 days to funding
€4.5m developer loan at 43% LTV to complete a 6-unit residential building in a strategic Palma location. Funding delivered within 36 days.
€2.2m · 55% LTV · 15-year interest-only
€2.2m 15-year interest-only refinance of an unencumbered €4m Andalusian estate — releasing working capital for a UK business acquisition without disposing of the asset.
€3.9m · 60% LTV · 20-year interest-only
€3.9m 20-year interest-only mortgage for a HNW UK client acquiring a €6.5m Ibiza cliffside villa — private bank comfortable with seasonal short-let income.
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