We provided two facilities totalling £1,263,350 for semi-commercial and residential property purchases

Semi-Commercial and BTL: Two property purchases support ambitious growth plans

An experienced business owner wanted to diversify their income by growing their property portfolio. And by using dual representation for the legals, we saved him time and money.

"Supporting ambitious property investors requires more than simply providing finance."

How we supported our customer

The customer has a successful heating, ventilation, air conditioning and maintenance business, but wanted to diversify their income by growing their property portfolio.

The first purchase was a semi-commercial property in Worthing, comprising an office and three flats. When a tenant vacated during the legal process, the property no longer met our usual affordability requirements. We considered the customer’s wider financial strength, secured an internal exception and kept the purchase moving.

Following completion of the first loan, we worked with the broker again to fund the purchase of six flats in Pulborough. We also agreed to dual representation on both transactions, helping to reduce legal costs and provide greater consistency throughout the process.

The outcome

Two property purchases completed within tight timescales
More than £1.26 million provided to support portfolio growth
A practical solution secured when circumstances changed
Consistent legal representation helped reduce costs
A stronger, more diversified portfolio for the customer

By taking the time to understand the customer’s wider financial position and investment plans, we helped them secure two income-producing assets and establish a strong platform for future growth.

The broker’s view

Owen Fish of Christie Finance said;

“Supporting ambitious property investors requires more than simply providing finance. From the very first transaction, YBS Commercial Mortgages demonstrated a strong commercial understanding of the borrower's objectives and long-term portfolio growth strategy. Building on the success of the initial acquisition, the team delivered a second funding solution with competitive leverage, a smooth process, and a clear appreciation of the borrower's experience and investment ambitions.”

“Across both acquisitions, YBS provided tailored funding solutions that enabled the purchase of high-quality, income-producing assets. Their proactive approach, combined with competitive lending terms and consistent relationship management, helped the borrower successfully expand and diversify their portfolio, positioning them for continued growth in the sector.”