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Below Market Value Opportunity
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Ramsay & White secured bridging finance for a client acquiring a residential investment at a significant discount to market value, enabling a day-one refinance and built-in equity.
The Background
A motivated vendor required a rapid sale ahead of relocating overseas and agreed to sell the property at approximately 30% below market value.
The Solution
Ramsay & White arranged bridging finance based on the property’s open market value, supported by the surveyor’s report rather than the discounted purchase price. This allowed the client to fund the acquisition in full without contributing personal funds.
Key Figures (Illustrative)
- Market value: £200,000
- Purchase price: £140,000 (30% below market value)
- Bridging loan: 70% of market value = £140,000
On completion, the client refinanced immediately at 75% LTV against the market value (£150,000), comfortably repaying the bridge and releasing a small cash surplus.
Outcome
The client acquired a rental property with built-in equity from day one and secured long-term income without injecting capital.
This case illustrates Ramsay & White’s experience in structuring finance for below market value purchases. By working closely with lenders and surveyors, the team helps clients capitalise on time-sensitive opportunities and maximise returns through smart funding structures.
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