👑 KINGS OF COMPLEX CASE FILE Sometimes a property transaction isn't difficult because the property is problematic. It's difficult because the ownership, funding, timing and commercial objectives don't fit conventional lending criteria. That was exactly the challenge facing one of our clients. THE BRIEF The client needed to transfer a commercial property from one limited company into a new SPV, remove the original director and introduce a new director. The objective was to ma

The Problem: A top-tier developer had a golden retriever ticket: a 5-unit luxury scheme with a GDV of £4.75m. He’d bought the land via a deferred payment—seller gets paid only after completion. He had £280k of his own cash in the dirt, but high-street lenders demanded the seller be cleared first. That would have strangled the build budget. They said "impossible." We said "watch." The Creative Structure (The King’s Move): We didn't just finance a build—we engineered a masterpi

At Always Wright Mortgages, we specialise in securing finance for complex opportunities that require more than a standard mortgage approach. This case demonstrates how our specialist knowledge helped a client secure funding for a children’s care home where traditional lenders struggled. The Problem Our client needed finance to acquire a property that would operate as a children’s care home. The property was not purpose-built. It was a renovated residential property that had r

New research highlights the continued strength of the UK new-build market, with average new-build prices in England forecast to reach £414,757 by 2027. Over the last decade, new-build property prices across Great Britain have grown by an average of 4.6% per year, driven by strong demand, limited housing supply and the appeal of modern, energy-efficient homes. At Always Wright Mortgages, we believe understanding the opportunities and challenges behind these trends is essential

People often see the finished homes. They rarely see the funding strategy behind them. Every successful development starts with three questions: 1. How will the project be funded? 2. How will costs be controlled? 3. What is the exit strategy? Recently we supported a client acquiring a site with planning permission already in place. Architecture has done a great job envisioning what they were creating, and the 3D system brought it to life on screen. The developer had the visio

Some finance cases are straightforward. Others demand creativity, speed, and specialist expertise. This was one of those cases. Our client had identified a property valued at around £80,000 with a short lease. Once the lease was extended, the property's value would increase to approximately £120,000, creating a significant uplift. The challenge? The lease extension had to be negotiated and completed within just 35 days, leaving very little room for error. Rather than seeing t

Every mortgage application tells a different story. Recently, we were approached by a client who had been struggling to find a suitable lender due to their unique circumstances, based on a plan to build 4 properties from the ground up. After speaking with the client and fully understanding their objectives, checking all the documents, we identified several potential solutions based on their First Time Developer status and carefully matched their case with a lender whose crite

When it comes to securing the right mortgage, you want a partner who understands your unique situation and guides you every step of the way. That’s where Always Wright Mortgage Services comes in. Whether you’re buying your first home, moving to a new one, or looking to remortgage, I’m here to help you navigate the complex world of finance with confidence and clarity. Let’s dive into why choosing Always Wright Mortgage Services is the smartest move you can make for your financ

PP - 135k 180 day value - 200k GDV - 220k. The client wanted to purchase a property at auction, it's inherent value was 200k, it was bought for 135k. So we used our expertise to find a lender who lent on the market value and with a £10k refurb, it's value was projected to be £220k. The Bank was happy to lend on the "market value" based on the expected RICS, as it was considered a below market value deal. The client proceeded to purchase under an SPV (SPECIAL PURPOSE VEHICLE),

Refurb deal (240k) PP 120k Works 35k GDV 240K Our client successfully executed a strategic property deal, beginning with the acquisition of an asset for £120,000. The project involved a light refurbishment with a £40,000 budget, allocated for a full rewire and reconfiguring the layout of the bedrooms and living room to enhance the property's appeal towards a £240,000 GDV. Process:- The expertise of Always Wright Mortgages Limited was pivotal from the outset; our team secured

This housing crash will be different from in 2008, Analysts are saying this, and their reasoning is that the banks have a bigger capital requirement than last time, when banks were over-leveraged and lending more than the houses were worth. The thing that Analysts aren't talking about is that these house prices are more than what they were in 2008, and so the mortgage debt that buyers take on has increased since then, in some cases almost double. Moreover, wages have fallen i

4.75m GDV LTGDV 70% LTC 80% 4 UNITS. Case Study: Bristol development - Completed Client: A seasoned property developer with a portfolio of high-end residential projects. Challenge:To rapidly secure finance for a prime land acquisition and subsequent development, capitalising on a time-sensitive opportunity. Solution:Always Wright Mortgages structured a bespoke development finance facility through one of the biggest lenders, efficiently bridging the funding gap and enabling

The power of the SPV - why would you use one. Think of a Special Purpose Vehicle (SPV) as creating a brand-new, super-focused company...

This makes sense, I deal in bridging weekly, but don't always see the short lease flats being bought often. If this is your strategy,...

I had a great time at the Connect Awards 2023, the 25th anniversary of the awards show. It was a great event and everyone thoroughly...

The other month I was lucky enough to be invited to the Bridging and Commercial Awards 2023 in Fulham, London. I thoroughly enjoyed it...

On the 21st October 2023, Anthony the Economist and Mortgage Broker will be speaking at the East London Business Expo about how to build...

Last month I did an interview on "The Smart Landlord's show" explaining where i started and how i decided to help people understand...

A bridging loan is known as short-term finance, and is used as such. Often, buyers use it to "bridge the gap" between selling their house...

Buy to let properties are houses that are let out to tenants. They are bought as business investments by both individuals and (Special...