Bridging loan for a refinance in only 16 working days

Historically, Spring to early Summer has always been considered the best time to put a property on the market. This case study explains how we were able to help a client who wanted to benefit from this traditionally busier period, but also, so they could start looking to move into a new, smaller, more manageable property.


  • Loan value
  • LTV
  • Development value
  • Loan term
    12 months 


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The client

The client was an experienced property landlord with a healthy income generated from the existing portfolio.


The client owned a four-storey semi-detached house, constructed in around 1830, which was Grade II listed. The client obtained the property via a relatively high-profile divorce settlement and wanted to take advantage of the Spring property market to downsize but needed to redeem the existing finance first. Spring was fast approaching, so there was a need for fast completion.

As the client needed to raise funds quickly, a 12-month bridging loan was the most suitable solution.

Our bridging team always strive to work quickly and efficiently, which is why we can complete bridging loans faster than many other lenders.

By working with West One, our clients also benefit from having a team of excellent underwriters who can take each case on its own merit and work quickly to get borrowers a fast decision.


Due to the broker having worked with West One previously, they were aware of our fast turnaround times, so they approached us with this case.


The bridging loan was completed in only 16 working days, allowing the client to put their property on the market in the Spring whilst starting their search for a smaller property to purchase, enabling the borrower to redeem their existing facility without any late payment charges.