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In the world of financial lending, every client brings a unique set of circumstances to the table. Tailoring financial solutions to meet these specific needs is where the real expertise and dedication of a lender shines through. This case study involves a client with a unique situation: a retired pub owner with a buy-to-let (BTL) property, and a plan that didn’t fit into the standard lending frameworks. What transpired was a testament to the ability of HFBS to provide efficient and personalised financial solutions.

The Client’s Challenge

Our client was a retired pub owner who had always had accommodation provided as part of his work. Upon retirement, he moved into rented accommodation, with the aim of giving notice to his tenant, refurbishing his BTL property, and selling it at a higher value. The proceeds from this sale would then be used to purchase a small retirement bungalow.

However, his unique situation posed several challenges. He wasn’t an owner-occupier, had no personal income. These factors made standard BTL finance unsuitable for his needs. He required a small amount of funding (£20,000) to refurbish his property and maximise its sale value.

Our Solution

Thanks to our reputation for flexible lending solutions, the introducing broker identified us as the perfect lender for this case. We received the case on a Friday afternoon and instantly approved the loan, dispatching the offer pack the same day. The client confirmed receipt of the pack on Monday and scheduled a representative visit for Tuesday morning.

We offered the client a deal at 1.75% per month over 12 months. The valuation of the property at £100,000 was validated by a desktop valuation, ensuring there were no upfront costs for the client. By Tuesday afternoon, the funds were disbursed, showing our commitment to providing quick and efficient financial solutions.

The Outcome

The tenant was given notice to quit, allowing refurbishment works to begin. The client was confident that the property sale would be achieved well within the 12-month term. This case study showcases our ability to provide rapid, tailored solutions even in complex scenarios.

We successfully bridged the gap between the client’s needs and the funding available, enabling him to move forward with his plans swiftly and efficiently. This result is a perfect example of our dedication to exceeding client expectations and delivering superior service in the lending industry.


Dan Yendall-Collings Senior Underwriter at HFBS commented: “This case study reaffirms our commitment to providing bespoke lending solutions. No matter how unique or challenging a client’s circumstances may be, we are dedicated to crafting a financial solution that meets their needs. This is made possible by our flexible approach, quick decision-making, and dedication to client service. Our ability to fund this case in just three days is a testament to the efficiency and effectiveness of our financial solutions. In the end, we were able to help the client progress with his plans and move closer to his dream of a comfortable retirement.

HFBS offer one the LOWEST second mortgage rates in the bridging finance market starting at just 0.95% month with advances from just £5,000. HFBS Bridging Solutions have been advancing short-term funds, via a limited panel of intermediaries, for over 40 years with complete authority on their lending. No solicitor involvement, no minimum valuation, and entirely privately funded, no bank mandates, no fixed rules, no default rates. HFBS really mean business.

Simpler, quicker, cheaper.