Not every client fits neatly into traditional high-street lending criteria. Some may have adverse credit, while others face unique financial challenges that require tailored solutions. As a broker, navigating these cases can be tricky, but with the right expertise and access to specialist products, you can confidently say,
“Yes, We Can!”
Case Study 1: Bridging Finance for a Complex Business Restructure
The Challenge:
Our client required a short-term funding solution to support their family business. The funds were raised in the client’s personal name and gifted to their son and daughter’s limited company, which then used the funds to settle an intercompany loan. This was a vital step in obtaining HMRC clearance for a tax-efficient company share buyback.
The Solution:
Bridging finance provided the perfect short-term funding solution, enabling the transaction to proceed efficiently and within the required timeframe.
☑️ Lender: Market Harborough Building Society
☑️ Loan Amount: £1,000,000
☑️ Rate: 0.66% per month
☑️ No exit fee
☑️ Security: Main residence & holiday home
☑️ Positive Lending advised service
☑️ Positive Lending fee ONLY £295
☑️ Introducing broker commission: £10,000
Case Study 2: Second Charge Mortgage for Debt Consolidation & Home Improvements
The Challenge:
Our client needed to consolidate £26,801 in unsecured debt while also funding home improvements, including a new kitchen, carpets, and a garage door. However, their existing lender, Virgin Money, declined a further advance, and remortgaging would have resulted in £5,000 in early repayment charges.
The Solution:
A second charge mortgage proved to be the ideal alternative, significantly reducing their monthly outgoings from £733.00 to £274.58. This resulted in a £458.42 per month reduction to credit commitments while also providing the funds needed for essential home improvements.
☑️ Lender: United Trust Bank
☑️ Loan amount: £35,000
☑️ Monthly payment: £274.58
☑️ Term: 23 years
☑️ Fixed rate: 7.04% (5 years, no ERCs)
☑️ Valuation: AVM achieved saving the client time & money
☑️ Time: Application to offer in just 9 working days!
☑️ Positive Lending advised service
☑️ Broker commission: £525
Case Study 3: Residential Mortgage for a First-Time Buyer with Property Challenges
The Challenge:
Our client wanted to purchase a residential flat above a fish and chip shop, a property type that many mainstream lenders are reluctant to finance. Additional hurdles included:
• Ex-local authority property
• Discounted purchase from a family member
• Gifted deposit from the same family member
• Existing background mortgage with a former partner
The Solution:
United Trust Bank was identified as the perfect lender, offering the flexibility needed to help the client secure their new home.
☑️ Loan amount: £160,000
☑️ LTV: 84%
☑️ Term: 372 months
☑️ Rate: 6.34% (5 year fixed)
☑️ Positive Lending fee: ONLY £295!
Case Study 4: Commercial Mortgage for Portfolio Expansion
The Challenge:
Our client, a portfolio landlord, needed to raise £1.1m for a multi-unit freehold block (MUFB) project. However, due to their impaired credit profile, traditional lenders were unable to assist.
The Solution:
InterBay Commercial provided the best terms, accommodating the client’s needs and complex credit profile.
☑️ Lender: InterBay Commercial
☑️ Loan amount: £1,082,000
☑️ Term: 300 months
☑️ Rate: 6.79% (interest only, 2-year fixed)
☑️ LTV: 65%
☑️ Positive Lending advised service
☑️ Positive Lending fee: Only £395!
How We Can Help You Say, “Yes We Can!”
Every client has unique financial needs, and specialist lending requires expertise, speed, and access to the right lenders.
At Positive Lending, we work alongside brokers to:
✔️ Navigate complex financial scenarios
✔️ Find solutions for clients with adverse and impaired credit
✔️ Secure funding for challenging property types
✔️ Deliver a seamless, supportive process from enquiry to completion
How to Support Clients with Adverse Credit or Unique Financial Needs
With Positive Lending as your expert partner, when it comes to supporting your clients with unique financial needs you can confidently say,
“Yes, We Can!”
Get in touch today and let’s find the right solution for your client. Simply CLICK HERE to fill in our contact form and one of our expert team will get back to you!