No Money Down Inheritance Deal

Ramsay & White successfully structured a bridging finance solution to help a client retain full ownership of a family property following an inheritance, without injecting personal capital.

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The Background

Following the passing of a relative, the client inherited a 33% share of a residential property. To retain full ownership, he needed to buy out the remaining beneficiaries. However, no liquid funds were available to facilitate the purchase.

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The Solution

Ramsay & White arranged a short-term bridging facility that enabled the client to fund the full buy-out using leveraged finance. The loan was structured against the property’s open market value, allowing the client to acquire the remaining shares with no money down.

Key Figures (Illustrative)

• Property value: £300,000
• Client’s inherited share: £100,000
• Buy-out required: £200,000
• Bridging loan: £200,000 at 70% LTV

On completion, the client refinanced immediately onto a buy-to-let mortgage at 75% LTV, fully repaying the bridge.

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Outcome

The client retained full ownership of the property, secured a long-term rental asset, and completed the transaction without deploying personal capital.

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How This Demonstrates Ramsay & White’s Expertise

This case highlights Ramsay & White’s ability to structure funding solutions for complex inheritance and buy-out scenarios. By leveraging bridging finance and refinance strategies, the team helps clients retain assets, unlock value, and move forward without being constrained by short-term liquidity.