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Corporate Building

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Corporate Building

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Loan type: Buy-to-Let Mortgages   |   Loan value: £217,000   |   

Completion: 8 weeks from customer application received

The Situation:

Mr L, an expat residing in Hong Kong owned property through his Ltd company in the UK. At the time of purchase, the property value was estimated at £200,000. He had used a 12-month bridging loan to fund the acquisition and planned to turn it into a rental investment by converting the property into an HMO (house in multiple occupations).

Having already arranged Mr L’s initial bridging loan, he reached out to Vantage again after 6 months, having completed the renovation works quicker than expected. The value of the property after the renovation was £290,000, achieving a rental income of £1,650 pcm with a single-family let – and he wanted to exit his bridge by remortgaging onto a £217,500 Buy-to-Let mortgage.

Being an ex-pat and owning the property through a Ltd company made borrowing with a High Street lender difficult enough. Making it even more complex; the property being an HMO, but yet to be granted a license, remortgaging within only 6 months of purchase and borrowing a higher amount due to the works carried out.

Our Solution:

Although difficult for ex-pats, Mr L knew from previously working with Aria Finance that he could utilise our strong relationships to access a broad and varied panel of specialist Buy-to-Let and ex-pat lenders and that’s exactly what happened.

We were able to arrange a refinance out of the bridge, and onto a longer-term fixed BTL Mortgage. We agreed on a product switch with the existing lender of the bridging loan and negotiated a reduced rate compared to their standard – due to our strategic partnership. This resulted in the successful completion of a £217,500 BTL remortgage, a 5-year fixed rate mortgage at 5.25%. From application to completion in just 8 weeks.


In just 8 weeks, the constraints of Mr L’s ‘non-vanilla’ scenario were no longer a burden. He could successfully run his rental investment setup from the comfort of his home in Hong Kong, with the longevity and peace of mind of a 5-year fixed rate.

Over 20 years of experience

Why choose Aria?

With over 20 years of experience in bridging finance and the specialist distribution industry, our expert team works on your behalf to provide access to market-leading rates with rapid loan completion as standard. We offer one point of contact from enquiry through to completion, always aiming to make the process as smooth as possible.
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