Amit Patel | Bridging & Buy-to-Let Mortgage Broker – Trinity Finance

The borrower was in a highly pressured situation, needing to urgently refinance and exit a bridging loan before LPA receivers were instructed. The case was further complicated by a history of missed payments on the borrower’s credit file, which made many traditional lenders unwilling to proceed. To make matters worse, the borrower had been let down at the last minute by another lender, leaving them with very little time to secure a solution.

Following a recommendation from a fellow property investor who had previously been assisted by Amit, the borrower reached out for help. Amit quickly assessed the circumstances, leveraged his specialist knowledge, and was able to structure a suitable funding solution at speed, ensuring the borrower avoided receivership and protected their property portfolio.

A property investor approached Amit seeking finance on a buy-to-let property that was to be leased to a company specialising in housing refugees and asylum seekers. While the lease offered strong rental returns and security of income, the investor encountered challenges when approaching mainstream lenders. Many were hesitant due to the non-standard tenant profile and the reliance on government-backed contracts, making it difficult to secure a competitive mortgage.

By carefully analysing the lease structure and demonstrating the long-term stability of the rental income, Amit was able to identify a specialist lender that understood the strength of the investment. He positioned the case by highlighting the guaranteed payments, covenant strength of the leasing company, and the hands-off nature of the arrangement for the landlord. The solution allowed the investor to complete the transaction with confidence, benefiting from a solid yield backed by a reliable income stream while diversifying their portfolio with a socially responsible investment.

An established convenience store retailer identified an opportunity to acquire new business premises to expand his growing portfolio of stores. The property in question was a disused public house, situated within a busy council estate – an ideal location for a convenience store once trading commenced. However, the building was in a derelict state and required full renovation before it could be fitted out with shop fixtures and equipment, making it unsuitable for immediate conventional mortgage finance.

To overcome this challenge, we arranged a commercial bridging loan, enabling the client to complete the purchase quickly and begin the refurbishment process without delay. Once the works were completed and the property was brought up to a mortgageable standard, we secured a competitive long-term commercial mortgage to provide sustainable funding. This structured approach allowed the borrower to unlock the potential of the property, transform the site into a thriving retail outlet, and successfully add to his portfolio of convenience stores.