Episode 25 - Tuesday 4th August

Regulated bridging, refurbishment finance and rapid completions demonstrate continued lender agility

This week's transactions showcase continued demand for specialist funding solutions across acquisition finance, capital raises and refurbishment-led bridging facilities.

As borrowers look to unlock equity, expand their portfolios and enhance existing assets, specialist lenders continue to structure facilities that balance flexibility, speed and clearly defined exit strategies. Whether supporting a multi-property acquisition, combining a capital raise with a residential purchase or funding the final stages of a high-value refurbishment project, lenders remain focused on tailoring finance to each borrower's individual requirements.

Below are three of the standout transactions from this week's market activity, followed by Owen Nayar's commentary on the key trends emerging across the real estate lending market.

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Afin Bank completes inaugural £224,000 regulated bridging facility

Transaction Overview:

Lender: Afin Bank
Facility: Bridging Finance – Regulated Bridging Loan
Loan Size: £224,000

Afin Bank completed its first-ever bridging transaction, providing a £224,000 regulated bridging loan to support the purchase of a three-bedroom detached bungalow in Norwich.

The borrower had already exchanged contracts when the sale of their existing property fell through shortly before completion, creating a time-sensitive funding requirement. Structured over a nine-month term at 80% loan-to-value, the facility enabled the borrower to complete the purchase where mainstream regulated lending options were limited, demonstrating the value of specialist bridging in protecting residential transactions.

Deal Team:

• John Smith, Head of Bridging, Afin Bank.
  
• Neal Telford CeMAP CPSP, Capital B Property Finance.
• Macie-Anne Walters, Head of Case Management, Capital B Property Finance.

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Avamore Capital completes £458,000 refurbishment facility for probate property

Transaction Overview:

Lender: Avamore Capital
Facility: Refurbishment Bridging Loan
Loan Size: £458,000

Avamore Capital completed a £458,000 refurbishment facility, arranged by Aureum Finance, to support a repeat borrower with the acquisition and refurbishment of a complex probate property featuring unregistered land.

The funding will enable the borrower to undertake a comprehensive refurbishment before progressing plans for a larger extension. By taking a solution-led approach to the property's complexities, Avamore was able to provide the certainty required for the project to move forward.

Deal Team:

• Adam Butler, Sales & Marketing Director, Avamore Capital.
• Josh Rowe, Transactions & Structuring Analyst, Avamore Capital.
• Kyle Humphries, Broker, Aureum Finance.
• Mohammed Azram, Relationship Manager, Aureum Finance

ScotLend Group completes £178,176 bridging facility in four working days

Transaction Overview:

Lender: ScotLend Group
Facility: Bridging Loan
Loan Size: £178,176

ScotLend Group completed a £178,176 bridging loan secured against a property on City Road, London, with funds released within four working days of instruction.

The borrower required the facility to support business cashflow and consolidate existing liabilities. With the transaction benefiting from low leverage at 30% loan-to-value and strong underlying security, ScotLend utilised an automated valuation model (AVM) rather than commissioning a physical valuation, allowing the case to progress swiftly from instruction through to completion.

Deal Team:

• David Travers, Founder, ScotLend Group.

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What this week's transactions tell us about the market

This week's transactions reinforce several trends that continue to shape activity across the UK real estate finance market.

Regulated bridging continues to provide an important solution for borrowers facing unexpected funding gaps during residential purchases. Where conventional mortgage routes cannot deliver within the required timeframe, specialist lenders remain well positioned to provide short-term certainty while preserving the underlying transaction.

Refurbishment finance also continues to support increasingly complex projects, with lenders demonstrating a willingness to assess each opportunity on its individual merits. Even where assets present legal or title complexities, specialist funding remains available where there is a clear business plan and well-defined exit strategy.

Meanwhile, lower-leverage bridging transactions continue to highlight how technology and pragmatic underwriting can accelerate completions. The growing use of automated valuation models allows lenders to deliver funding more efficiently where the security position is clear, reducing timescales while maintaining robust credit standards.

Across all three transactions, one theme remains consistent. Speed of execution, flexible underwriting and clearly defined exit strategies continue to underpin successful transactions across the specialist real estate finance market.

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Why these Transactions Matter

Tuesday's Top Transactions showcases some of the most notable deals completed across the UK real estate finance market each week.

By highlighting completed transactions across bridging finance, development finance, commercial real estate lending and specialist funding solutions, the series provides brokers, lenders, developers and property professionals with valuable insight into current lending activity and evolving market trends.

More than simply reporting completed deals, each episode offers a snapshot of where lender appetite exists and how facilities are being structured to support increasingly complex borrowing requirements.

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Have a Transaction Worth Sharing?

If you've completed a notable real estate finance transaction and would like it featured in a future edition of Tuesday's Top Transactions, we'd love to hear from you.

Sharing successful deals helps showcase innovation across the market while providing valuable insight for brokers, lenders and property professionals following the latest lending activity.

A special thank you to John Smith and Paul Beadle for partnering with us and sharing Afin Bank's inaugural bridging transaction. We look forward to featuring many more of your completions in future editions.

To submit a transaction for a future episode, contact Owen here:

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Want to discuss any of the details of this episode? Submit your details and Owen will be in touch.

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