£1.1m Semi-Commercial Acquisition Completed at 70% LTV
A time-sensitive semi-commercial purchase structured alongside MT Finance, using a blended interest model of 3 months retained and 9 months serviced.
| Deal Snapshot | |
|---|---|
| Property Value | £1,200,000 |
| Property Purchase Price | £1,100,000 |
| LTV | 70% |
| Interest Structure | 3m retained / 9m serviced |
The Scenario
The client had exchanged contracts with a £55,000 deposit paid and a fixed completion deadline. After approaching multiple brokers, they were unable to secure competitive terms or a workable structure. With exchange complete and capital at risk, certainty of execution was the priority. This is where A2Z Bridging came in.
- Tighter leverage and reduced appetite at higher LTVs
- More conservative underwriting and slower decision-making
- Less flexible interest structures that don’t fit real cash flow
- Rate creep once the lender gets deeper into the deal
The client needed a facility that was competitive, commercially sensible and deliverable on time.
The Solution
Structured with MT Finance
We delivered a blended structure of 3 months retained interest followed by 9 months serviced, supporting early cash flow while maintaining affordability.
Deal Summary
- Purchase: £1,100,000
- Valuation: £1,200,000
- LTV: 70%
- Completion: 01 February 2026
Need Semi-Commercial Bridging Finance?
Frequently Asked Questions
What is a semi-commercial bridging loan?
A semi-commercial bridging loan is short-term property finance for assets that have both commercial and residential
elements (for example, retail on the ground floor with flats above). Criteria can sit between residential and commercial,
so structuring and lender selection are critical.
What does “retained interest” mean?
Retained interest is where some interest is held back from the facility at the start, reducing monthly payments for an initial period.
Serviced interest is paid monthly by the borrower. Hybrid structures can be used to match real cash flow.