Top Tuesday Transactions

Episode 36 - Tuesday 20th October

£1.75m in Specialist Lending Deals

Five transactions. Three lenders. £1.75m in completed specialist property finance.

This week's Tuesday's Top Transactions features five completed facilities totalling £1,745,750, delivered by Glenhawk, Morpheus Lending and MS Lending Group.

From a £559,000 regulated bridging refinance completed in just seven days to a £630,000 residential bridging facility funded in four days, Episode 36 highlights the importance of speed, flexible underwriting and certainty of execution.

The week's activity also includes three residential auction purchases completed within eight working days, demonstrating how efficient valuations, coordinated legal processes and tailored loan structures can support borrowers facing tight deadlines.

While the transactions vary in size and purpose, they share a common theme: delivering the right funding solution within the timeframe required.

View Latest Episode here

Request a Call here

___________________________________________________________________________

Glenhawk Completes £559k Regulated Bridging Refinance in Seven Days

Transaction overview

Lender: Glenhawk
Facility: Regulated bridging loan – residential refinance
Loan size: £559,000
Loan-to-value: 50%
Completion time: Seven days

Glenhawk completed a £559,000 regulated bridging loan in just seven days, allowing a borrower to refinance an existing residential refurbishment facility and avoid substantial default charges.

The original loan had funded refurbishment works and was approaching maturity. The borrower needed to repay the existing lender while securing additional time to market and sell the property.

To meet the deadline, Glenhawk used an automated valuation model (AVM), dual legal representation and title insurance to streamline the valuation and legal processes.

These measures enabled completion within seven days of the initial application, providing the borrower with additional time to pursue their intended property sale.

The transaction followed improvements to Glenhawk's AVM policy and title insurance arrangements introduced in May 2026, designed to reduce completion times.

The case demonstrates how efficient underwriting and coordinated legal processes can help borrowers manage approaching loan maturities and avoid costly default charges.

Deal team

Rhys Evans – Business Development Manager, Glenhawk
Ruth Griggs – Underwriter, Glenhawk
Aaron Beard – Case Manager, Glenhawk
Shannon Harwood – Head of Bridging & Commercial, Premier Commercial Lending
Nicole Kuruppuarachchi – Healys LLP, dual representation legal

___________________________________________________________________________

Morpheus Lending Funds £630k Residential Bridging Loan in Four Days

Transaction overview

Lender: Morpheus Lending
Facility: Residential bridging loan
Loan size: £630,000
Location: Surrey
Completion time: Four days from accepted terms
Legal completion: Within 48 hours

Morpheus Lending completed a £630,000 bridging facility secured against a detached residential property in Surrey, delivering funding just four days after terms were accepted.

The experienced borrower required short-term funding with a hybrid interest structure designed to maximise net proceeds while accommodating several potential exit strategies.

With speed a priority, Morpheus used a desktop valuation to streamline the property assessment and dual legal representation to accelerate the legal process.

Legal work was completed within 48 hours, allowing the facility to fund four days after terms were accepted.

The transaction highlights how tailored interest structures, practical underwriting and efficient legal processes can support borrowers with more complex, time-sensitive funding requirements.

Deal team

Matt Mawdesley – Morpheus Lending
Stuart Dunk – Morpheus Lending
Craig Mason – Broker, Karis Capital
Jason Wong – Legal, gunnercooke
Andreas – Legal, gunnercooke

___________________________________________________________________________

MS Lending Group Completes £556,750 Across Three Residential Auction Bridging Loans

Transaction overview

Lender: MS Lending Group
Facility: First-charge residential auction bridging finance
Combined loan value: £556,750
Number of transactions: Three
Completion times: Seven to eight working days

MS Lending Group completed three first-charge residential auction bridging facilities totalling £556,750, with every transaction funded within eight working days of instruction.

The facilities supported purchases across three different residential property types:

£345,000 – Three-bedroom semi-detached house: Instructed on 15 September and funded on 24 September 2026, completing in seven working days with dual legal representation from JQ Law.
£88,000 – One-bedroom maisonette: Instructed on 10 September and funded on 22 September 2026, completing in eight working days.
£123,750 – One-bedroom apartment: Instructed on 8 September and funded on 18 September 2026, completing in eight working days.

Collectively, the transactions demonstrate MS Lending Group's ability to deliver residential auction finance across different property types and loan sizes while meeting fixed completion deadlines.

The cases highlight the importance of reliable execution in auction lending, where borrowers require certainty that funding will be available within the agreed timeframe.

Deal team

MS Lending Group team
JQ Law – Dual legal representation, £345,000 transaction

___________________________________________________________________________

What this week's transactions tell us about the market

This week's transactions demonstrate how specialist lenders are responding to time-sensitive borrowing requirements through flexible loan structures, efficient underwriting and coordinated legal processes.

Across the five facilities, four themes stand out.

Regulated Bridging Is Supporting Borrowers Facing Loan Maturity

Glenhawk's seven-day refinance demonstrates how regulated bridging can provide a solution when existing facilities are approaching repayment deadlines.

By using an AVM, title insurance and dual legal representation, the lender reduced the time required to complete the transaction, helping the borrower avoid substantial default charges while providing additional time to sell the property.

The case highlights the importance of refinancing options where a borrower has a defined exit strategy but requires additional time to achieve it.

Flexible Loan Structuring Remains a Competitive Differentiator

Morpheus Lending's £630,000 Surrey transaction demonstrates how interest structures can be tailored to individual borrower requirements.

The hybrid interest arrangement was designed to maximise net proceeds while accommodating several potential exit strategies.

Combined with practical underwriting and an efficient legal process, this enabled the lender to deliver funding within four days of accepted terms.

Auction Finance Continues to Depend on Speed and Certainty

MS Lending Group's three residential auction transactions reinforce the importance of reliable funding within fixed completion deadlines.

With facilities ranging from £88,000 to £345,000, the lender supported different residential property types while maintaining completion times of no more than eight working days.

The transactions demonstrate why certainty of execution remains particularly important for borrowers purchasing property at auction.

Valuation and Legal Efficiencies Are Reducing Completion Times

Across the featured transactions, valuation and legal processes played an important role in accelerating funding.

Glenhawk utilised an AVM, title insurance and dual representation, while Morpheus Lending used a desktop valuation and coordinated legal work to complete its facility within four days.

These examples demonstrate how efficient processes can reduce unnecessary delays while allowing lenders to assess and structure facilities around borrowers' requirements.

Why these Transactions Matter

Episode 36 highlights how specialist lenders are delivering funding across regulated bridging, residential refinancing and auction finance.

With £1,745,750 completed across five transactions, the featured lenders demonstrate the value of combining flexible underwriting with responsive legal and valuation processes.

Whether refinancing an approaching maturity, accommodating a borrower's preferred interest structure or completing an auction purchase, speed and certainty remain central to successful specialist lending transactions.

The wider takeaway is that access to funding is only part of the solution. The ability to structure and deliver the facility within the required timeframe can make a significant difference to the borrower.

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.

To submit a transaction for a future episode, contact:

Submission Form

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

Request a Call here