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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.
Industry Recognised Expertise
Our award winning team stays up-to-date on the latest products, rates, and regulations, so you can be confident that you're getting the best possible advice.
Streamlined Process
We make any property financing stress-free by guiding you every step of the way. We'll work with you to gather the required documentation and will be there to answer any questions you may have throughout the process.
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As a leading expert in property finance in the UK, we have access to a wide range of mortgage products and lenders. This allows us to offer competitive rates and terms that may not be available to individual borrowers.
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We understand that every client's needs are unique, which is why we take the time to understand your goals and financial situation, and work with you to find a financing solution that fits your needs.
Continued Support
After completion, we provide continued support to all of our clients, answering any questions you may have and help with any of your future property finance needs.
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