Expanding a Property Portfolio Using Existing Equity

Ramsay & White arranged a tailored bridging solution to help an experienced landlord acquire an additional investment property by unlocking equity from existing assets.

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The Background

The client identified a new investment opportunity but did not want to sell or refinance properties within his existing portfolio to raise funds. One property was owned outright, providing untapped equity.

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The Solution

Working with a specialist lending partner, Ramsay & White structured a cross-charge bridging facility secured across both the unencumbered property and the new purchase.

This approach maximised borrowing capacity while preserving liquidity and avoiding disruption to existing finance arrangements.

Key Figures (Illustrative)

• Existing unencumbered property value: £400,000
• New property purchase price: £250,000
• Combined property value: £650,000
• Bridging facility: 70% net LTV = £455,000

Following a refurbishment programme of approximately £40,000, the property was re-valued at £350,000.

The client refinanced onto a buy-to-let mortgage at the higher valuation, repaid the bridge, and released additional funds.

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Outcome

The client expanded his portfolio without introducing fresh capital, using existing equity to support continued growth and repeat investment.

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How This Demonstrates Ramsay & White’s Expertise

This case demonstrates Ramsay & White’s strength in structuring portfolio-backed and cross-charge lending. By identifying and unlocking equity across multiple assets, the team enables investors to scale efficiently while maintaining long-term financial flexibility.