Earlier this year, the borrower acquired the property portfolio at 30% below market value through a bridging loan.

Faced with a pending bridge loan payment, the client sought a refinance to meet the deadline and release additional funds for future investments.

The refinance was led by Wes Baker, BDM at HTB for the North of England (pictured above, right), and Stephen Mettler, senior underwriter at HTB and completed in five days.

HTB worked with legal representatives, Marie Bennett-Staples from Glovers and the client’s solicitors Claudia Rubiano and Avi Barr from BBS Law, Melanie Franks, senior completions officer at HTB.

As a result, the client retained 43 properties, sold two, and raised a seven-figure sum for future property investments.

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Andrea Glasgow, sales director of specialist mortgages at HTB (pictured above, left), said: "This case had all the hallmarks of a complex transaction — tight deadlines and multiple moving parts — but that’s where HTB excels.

“We worked closely with the broker to craft a tailored solution, meeting the client’s needs not just in terms of speed, but by unlocking the flexibility needed to expand their portfolio in a competitive market."

Wes Baker, BDM at HTB, added: “For this deal, it was our collaborative approach that made all the difference, allowing us to complete the refinance swiftly and without compromise."

Maxim Cohen, chief executive at The UK Adviser, commented: “HTB was a pleasure to work with, and the entire process was both efficient and professional.

“Wes Baker was always on hand to assist, keeping everything on track.

“Stephen Mettler and Melanie Franks also showed exceptional professionalism and speed throughout.

“Purchasing property at 30% below market value and then realising its true market value upon exit is a fantastic outcome for the client."