The borrower was expanding their portfolio with a prime residential property and needed rapid funding as a deadline approached.

However, the property was currently vacant and without income, which threatened to slow down the deal and risked derailing the refinancing exit strategy.

Market Financial Solutions’ underwriting team working closely with the borrower, ascertaining that tenants were lined up to move into the property upon completion.

Furthermore, the borrower was already in talks with several institutions to move onto long-term finance for the exit strategy, which allowed the deal to progress to the final stages.

For the borrower’s circumstances, it was determined that a longer term would be appropriate to provide them with additional flexibility for any potential complications.

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As such, a bridge fusion loan was utilised, providing a 75% LTV on a 24-month term (Market Financial Solutions’ standard bridging loans are available up to 18 months).

To support the borrower with affordability, the underwriter utilised rolled-up interest for the opening months of the deal.

Paresh Raja, CEO at Market Financial Solutions (pictured above), said: “This case is a strong example of how our bridge fusion product gives borrowers the flexibility they need when timing and structure are critical.

“With tight deadlines and a vacant property, it was essential to provide a solution that not only enabled a swift completion but also protected the borrower’s longer-term refinance strategy.

“By offering an extended loan term and using affordability tools such as rolled-up interest in the early months, we were able to give the borrower valuable additional time while they secured their tenants and progressed discussions with longer-term finance providers.”