{"id":77564,"date":"2023-05-18T08:25:27","date_gmt":"2023-05-18T07:25:27","guid":{"rendered":"https:\/\/uk-bridgingfinance.co.uk\/?post_type=case-studies&#038;p=77564"},"modified":"2023-05-18T08:25:35","modified_gmt":"2023-05-18T07:25:35","slug":"bridging-finance-exit-mixed-use-pub-with-6-flats-case-study","status":"publish","type":"case-studies","link":"https:\/\/uk-bridgingfinance.co.uk\/case-studies\/bridging-finance-exit-mixed-use-pub-with-6-flats-case-study\/","title":{"rendered":"Bridging Finance Exit \u2013 mixed use pub with 6 flats \u2013 Case Study"},"content":{"rendered":"\n<p><strong>The Client:<\/strong>&nbsp;<\/p>\n\n\n\n<p>The application was put through in joint names for two Foreign Nationals. Both clients resided in the UK on working visas.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>The Scenario:<\/strong>&nbsp;<\/p>\n\n\n\n<p>The applicants had previously purchased a mixed-use pub\/residential property on a Bridging loan. They had refurbed it and brought it up to a high spec. Pubs are difficult to finance generally, and the flats above are broken up in to 3 x 1 beds and 3 x studios of which some are under 30sqm. The pub was leased and achieving regular rent, and the flats had been let to an agent with guaranteed rental scheme on a 2-year agreement.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>The Solution:<\/strong>&nbsp;<\/p>\n\n\n\n<p>Being a whole-of-market Broker, we had the knowledge that some lenders will consider pubs up to a certain loan to value, typically 60%. We also understand that some lenders will accept flats smaller than the usual 30sqm rule, and on top of that will allow 2 year leases on a guaranteed rent scheme. We covered the exit off the Bridging loan and raised some extra capital on top which allowed the client to reinvest.&nbsp;&nbsp;<\/p>\n\n\n\n<p><em>Contact us today to discuss\u00a0<strong><a href=\"https:\/\/uk-bridgingfinance.co.uk\/\">Bridging Loans<\/a><\/strong>\u00a0and how we can assist you.<\/em><\/p>\n\n\n\n<p><strong>Summary:<\/strong>&nbsp;<\/p>\n\n\n\n<p>It is possible to get lending on extremely complicated setups and situations that would seen as undesirable to most lenders.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Key things to consider for Expat \/ Foreign national income:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Some lenders will accept Foreign Nationals.&nbsp;<\/li>\n\n\n\n<li>Some lenders will consider pubs up to a certain loan to value.&nbsp;<\/li>\n\n\n\n<li>Some lenders will allow lending on flats smaller than 30 sqm.&nbsp;<\/li>\n\n\n\n<li>Some lenders will accept 2 year leases direct to management companies\/agents on a guaranteed rent scheme.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>If you have any questions about Bridging Finance or Expat \/ Foreign National mortgages, or would just like a Free Quotation then please\u00a0<strong>call us now on\u00a0<\/strong><a href=\"tel:03303112646\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>03303 112 646<\/strong><\/a><strong>\u00a0<\/strong>today. Alternatively please fill in our\u00a0<a href=\"https:\/\/uk-bridgingfinance.co.uk\/contact_us\/\">online enquiry form<\/a>\u00a0now and one of our Commercial Finance Brokers will call you back.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Client:&nbsp; The application was put through in joint names for two Foreign Nationals. Both clients resided in the UK on working visas.&nbsp;&nbsp; The Scenario:&nbsp; The applicants had previously purchased a mixed-use pub\/residential property on a Bridging loan. They had refurbed it and brought it up to a high spec. Pubs are difficult to finance [&hellip;]<\/p>\n","protected":false},"featured_media":71742,"comment_status":"open","ping_status":"closed","template":"","tags":[58,59,213],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.6 (Yoast SEO v21.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bridging Finance Exit \u2013 mixed use pub with 6 flats \u2013 Case Study<\/title>\n<meta name=\"description\" content=\"The applicants had previously purchased a mixed-use pub\/residential property on a Bridging loan. 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