Case Studies
Obviously client confidentiality means that our customers must remain anonymous.
However, here are a few of the many success stories from the funding sources we have available...
Renovation then Refinance
My Client saw the potential in a tired multi unit block above a high street shop.
After assessing the Build schedule and costs alongside the end value rental and value
wise, we confirmed all the financial costs and the Net profit was just over 20% with a Gross Yield of 9.5% on completion.
We secured the finance to buy the project and fund the renovation cost.
When completed and most flats where tenanted we refinanced it onto a Commercial Mortgage Net them 6% Return and releasing additional added value for thier next project.
Bridge to Refinance
A client was buying a property under valued but needed 100% of the purchase price. We secured the lending at 100% of the purchase price.
Then refinanced onto a BTL Mortgage 3 months later realeasing double the amount they paid for it.
Client's comment
I highly reccomend The Commerical Branch. Both Miles and James were excellent to deal with. Miles was referred to myself by a mortgage broker I had used previously which I think speak volumes to be recognised by others in the industry. He clearly explained all my options and answered every question I had.
Miles and his team at The Commercial Branch are fantastic and go above and beyond to find you the best deal in the current market place and their service is second to none. My husband and I have used them for a number of commercial transactions this year and are truly impressed with the service and how responsive they are. Highly recommended.
Oliver and Jade
Bridge for Land Purchase
This client need to fund 100% of the purchase of a plot of land with outline planning, After assessment of their options it was cheapest to secure a 2nd charge against their main residence to release the funds to buy the land. This meant they could purchase the land without full planning permission. THey built and sold the units without having a Quantity Surveyor monitoring the site.
Client's comment
Runs a second-hand games shop. Was looking to move from her rented premises into a bigger space to expand her business. £80,000 purchase price. 80% loan agreed for her with Barclays. This put her in a better position on the high street and allowed her to get £6,000 of stock currently held in the backroom on show.
Mrs B.
Client's comment
Were in the process of completing the build of 3 new flats. The building was water and weather tight, but needed the internals completing. Wanted to raise funds from the unencumbered site to purchase more property. Raised 70% for them through Shawbrook, giving them £300,000 to keep building their business. These funds allowed them to purchase a new investment property and also complete the development of another site quicker, speeding up their cashflow. Once the flats were complete, they sold and cleared their mortgage with no redemption fees.
Company A
Client's comment
Had portfolio of 18 properties mortgaged with Lloyds. Wanted to reduce their payments and increase the lending to the maximum, giving them additional cash to buy more, but wanted to avoid increasing their loan repayments as they used the surplus rental to live on. Were able to secure 75% LTV with Shawbrook on a 10-year interest only facility. This gave them over £200,000 to fund the purchase of more properties. This meant the clients were able to increase their portfolio, which in turn gave them a better income.
Company B
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