Our specialist work
Explore how the Kings of Complex Property Finance have structured funding solutions for challenging projects that demanded expertise, creativity, and a tailored approach.
01
Birmingham Refurb
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 the initial finance with exceptional speed and proactively managed the legal process to ensure a rapid purchase, far exceeding the pace of typical brokers.
Result:- This foundational efficiency allowed the refurbishment to commence without delay, and upon completion, we seamlessly facilitated a refinance with MT Finance based on the increased valuation, perfectly cementing the profit for our client and highlighting our unique skill in building lender relationships that deliver tangible, time-sensitive results.
02
Commercial Garage and Car wash purchase
Complex Commercial Acquisition, Bridging & Value Creation Strategy
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We structured a complex commercial finance solution to help a client acquire a car wash business alongside an existing garage operation, creating a stronger combined commercial asset.
The initial challenge was that the car wash and garage sat on separate property titles, making a traditional purchase and refinance structure difficult. We secured a commercial bridging facility to acquire the assets and strategically combine the two titles into one cohesive commercial property under a single lender structure.
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The combined asset was initially valued at £720,000. Through effective deal structuring, consolidation of the titles, and improving the overall commercial proposition, the property has since increased in value to approximately £1.05 million.
Following the successful restructuring, we are now progressing a refinance onto a long-term commercial mortgage through a new SPV, allowing the client to secure sustainable funding, release available equity, and retain ownership of a significantly enhanced commercial asset.
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This transaction required specialist knowledge of commercial bridging, title consolidation, lender appetite, SPV structuring, and value enhancement strategies — areas where many traditional brokers would struggle to find a viable solution.
At Always Wright Mortgages, we specialise in turning complex commercial opportunities into financeable, long-term investments — finding solutions where others simply see complications.
03
LTD Company Property sale via bridge
Complex BMV Commercial Purchase & Restructure Strategy
We successfully structured a complex Below Market Value (BMV) commercial acquisition to release an existing Director from the investment, allowing them to realise their capital and move forward with their next project.
The commercial property had an original value of £400,000. Through careful deal structuring, we completed a purchase at £255,000, with the property transferred unencumbered to allow maximum flexibility for the new ownership structure.
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A new Special Purpose Vehicle (SPV) was established with two new Directors, enabling the project to be separated from the previous shareholder arrangements. Within 12 months, we successfully refinanced the property with a commercial lender based on the higher underlying value, unlocking the equity position and converting the asset into a long-term commercial mortgage.
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This strategy allowed the outgoing Director to extract their funds, remove themselves from the liability, and reinvest into their next opportunity, while the new Directors secured ownership of a valuable commercial asset with a sustainable lending structure.
This was a complex transaction requiring careful lender selection, valuation strategy, SPV structuring, and an understanding of commercial finance beyond traditional mortgage routes.
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Another example of how Always Wright Mortgages delivers solutions where standard brokers see obstacles.
04
Residential Refurb and Let
London 3 bed (1.3m) conversion to 6 bed (1.8m) conversion
Client: Always Wright Mortgages Limited Project: Refurbishment and conversion of a single-dwelling property into a high-specification 6-bedroom House in Multiple Occupation (HMO) in London. Challenge: To raise £550,000 in finance to clear the existing first and second charges on the property and fully fund the conversion works. The challenge was the existing debt structure and the need for a specialist lender understanding of the project's end value.
The Strategy & Solution
Always Wright Mortgages Limited identified a prime London property valued at £1.3m but encumbered with two existing charges totalling £550,000. Their strategy was to acquire the property, undertake a significant conversion to maximise its value, and ultimately refinance to a long-term Buy-to-Let (BTL) mortgage.
Recognising the need for speed and flexibility, they approached specialist development lender, MT Finance. MT Finance assessed the strong fundamentals:
· Security: A low Loan-to-Value (LTV) of just 46% against the current value (£600k / £1.3m).
· Exit Strategy: A robust and credible refinance plan based on a significantly increased Gross Development Value (GDV) of £1.85m post-completion.
· Added Value: The planned works would add over £300,000 in value, creating substantial equity.
MT Finance provided a £600,000 bridging loan, secured by a first charge. This facility was specifically structured to:
1. Immediately clear the existing first and second charges, taking control of the asset.
2. Provide a rolling credit facility to fund all building works, conversion costs, and professional fees.
The Result
With finance secured, Always Wright Mortgages Limited efficiently managed the conversion project to completion. The successful transformation into a 6-bed HMO significantly increased the property's rental potential and capital value, achieving the target GDV of £1.85m.
Upon practical completion, they executed their exit strategy, refinancing onto a competitive long-term BTL mortgage based on the new market value. This successfully repaid the MT Finance bridge loan in full, leaving the client with a substantially leveraged, high-yielding investment property and a significant amount of capital released for future projects.
