Case Study: Portfolio Landlord Secures Fast Bridging Loan to Complete Auction Purchase

A portfolio landlord required fast access to capital after successfully securing a land purchase at auction. Aria Finance arranged a £76,000 equitable charge against an existing buy-to-let property, completing the transaction in just 4 days to meet the deadline.

Case summary:  

• Portfolio landlord required fast funding to support completion of a land purchase secured at auction
  
  
• £76k equitable charge arranged against an existing buy-to-let property
  
  
• Completion achieved in just 4 days from receipt of application
  
  
• Used AVM valuation and internal legal process to accelerate completion
  
  
• Structured at 55% LTV to support speed and certainty of funding

Find out how we transformed this complex scenario into a long-term investment below.

The Client:

The client is an experienced portfolio landlord with an established buy-to-let portfolio. They are active in the auction market and regularly acquire property and land opportunities as part of their ongoing investment strategy.

The Situation:

The client had successfully won a purchase of land at auction and required extremely fast access to funding to meet the strict completion deadline. A traditional mortgage or refinancing route would not have provided the speed required, putting the purchase at risk. They therefore needed a short-term, secured lending solution that could be delivered quickly against an existing buy-to-let asset.

Our Solution:

Aria Finance structured a £76,000 equitable charge secured against one of the client’s existing buy-to-let properties to release the required equity. To ensure the tight deadline was met, an AVM was used in place of a full valuation to significantly reduce turnaround times. Internal legal processes were also instructed, removing the delays often associated with external solicitors. The case was structured at 55% LTV, providing the lender with sufficient comfort while maintaining a fast and efficient route to completion. This combined approach allowed the case to proceed seamlessly from application through to funding within a highly condensed timeframe.

Benefits & Results: 

The transaction completed in just 4 days from receipt of the application, enabling the client to meet the auction deadline and successfully secure the land purchase. By using an AVM and internal legal process, delays typically associated with valuation and conveyancing were eliminated, ensuring a smooth and efficient experience. The client was able to unlock equity from an existing asset without disrupting their wider portfolio strategy, demonstrating the flexibility and speed that specialist finance can provide when time is critical.