Acquisition Bridge of £600k for Semi-Commercial Property in Birmingham
At a Glance
| Client Type | Property investor |
| Loan Product | Acquisition bridging loan |
| Facility Size | £600,000 |
| Loan-to-Value (LTV) | 60% |
| Interest Rate | 0.89% |
| Time to Completion | 4 weeks |
| Location | Birmingham |
| Lender | Colenko |
| Applicant Profile | First-time semi-commercial landlord with strong assets and liabilities |
The Opportunity
An experienced property investor approached us with a time-sensitive opportunity to acquire a semi-commercial property in Birmingham. While they had a strong financial position, this was their first purchase of this kind, and they wanted to avoid being penalised for their lack of track record in the semi-commercial space.
They needed a £600,000 facility that could be delivered efficiently and cost-effectively, without compromising on terms.
The Funding Strategy
Rather than focus solely on the target property, we looked at the bigger picture. The client’s main residence had significant equity, so we structured the deal using a second charge on that asset. This gave the lender added security and allowed us to negotiate a lower rate than is typically available on semi-commercial bridging deals.
By presenting the client’s full financial strength and carefully selecting the right lender, we were able to move quickly. Legal work and other third-party steps began even before the valuation came back, which helped keep the timeline on track.
The Outcome
The deal completed in just four weeks.
Although the purchase property was slightly down-valued, the lender remained comfortable with the terms thanks to the structure we had agreed. There were no delays, no re-pricing, and no need to renegotiate.
The client secured the asset on time and at a rate that reflected their overall position, not just the profile of the new investment.
Why It Worked
This project shows the value of looking beyond the standard approach. At Avid Finance, we are not just here to source funding — we structure it. By using available equity and identifying the right lender, we helped the client move into a new asset class without taking on unnecessary cost or risk.
It is a good example of what we do every day through our bridging finance service and how we support clients making strategic property moves.
Ready to Fund Your Next Project?
We work with investors, developers and business owners across the UK to secure funding that fits. If you are buying, refinancing or making your first move into semi-commercial property, get in touch.
Contact Avid Finance on 020 3920 6920 and let’s talk about what’s possible.