The borrower, an Australian national, acquired a semi-commercial property in London comprising six residential flats above a restaurant.

The facility was structured on a five-year fixed, interest-only basis at 70% LTV.

The borrower purchased the property from their parents, who gifted equity to support the transaction.

With the client establishing their first UK property investment, reliance on gifted equity from family, and the added complexity of a semi-commercial building, HTB worked with the broker to address these factors and enable the borrower to begin building a UK portfolio.

The facility was delivered by Chloe House, BDM (pictured above), and Kris Siva in HTB’s specialist mortgages team.

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Chloe commented: “This case demonstrates the importance of listening carefully to the broker and tailoring facilities to real client circumstances.

“The client was an experienced landlord overseas establishing their first UK property investment, and the property added another layer of complexity.

“By taking a pragmatic approach and structuring the facility around the gifted equity and long-term goals, we created a solution that gave both broker and client confidence.”

Andrea Glasgow, sales director of specialist mortgages and bridging finance at HTB, added: “Brokers are meeting more and more clients whose ambitions do not fit a standard lending model, whether that is an overseas borrower, a semi-commercial property or someone taking their first steps in a new market.

“This case shows the difference we can make by working closely with brokers to bring clarity to complex situations.”