Case Study
Benjamin Peace recently arranged a £2,275,000 regulated bridging loan for a high-net-worth client seeking to downsize from her primary residence. The client had identified her ideal next home, a rare opportunity in a competitive market, and needed to move quickly to secure it. However, her existing property, valued at £3.9 million, was a large, high-value single residential asset that would likely take time to sell given its price point and niche appeal.
To bridge the gap between purchase and sale, Benjamin structured a bespoke high-net-worth chain break facility. The regulated bridging loan was secured at 58% Loan-to-Value (LTV), with a highly competitive monthly interest rate of just 0.79%. Despite the complexity involved in structuring a regulated loan for a client with a substantial asset base, the deal was completed in just four weeks.
This tailored solution allowed the client to confidently proceed with the purchase of her new home, without being forced into a rushed or undervalued sale of her current property. It also removed the emotional and financial stress of aligning two major transactions under time pressure, giving her the breathing room to sell her existing residence at the right time and at full market value. The case highlights Brightstars understanding of the high-net-worth market and its capability to deliver flexible, time-sensitive lending solutions for complex residential scenarios.
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