£615,000 Semi-Commercial Bridging Loan Completed in 24 Hours
Semi-commercial bridging loan of £615,000 completed in 24 hours at 70% LTV. A Kingston upon Thames case structured and closed before a notice deadline.
£615,000
Loan amount
70%
Loan-to-value
12 Months
Term
24 hours
To completion
The Client Scenario
The client held a semi-commercial property in Kingston upon Thames — a mixed-use asset combining residential and commercial elements. This type of security sits outside the comfort zone of most mainstream lenders, which meant their options were already limited before the urgency of the situation was factored in.
A formal notice had been served, requiring the matter to be resolved within 24 hours. This was not an internal preference or a self-imposed target — it was an external obligation with real consequences if missed. The client needed bridging finance immediately, and they needed a broker who understood both the asset type and the pace required.
The requirement was a £615,000 unregulated bridging facility at 70% LTV , secured against the semi-commercial property on a 12-month term. The repayment structure was designed specifically to manage cashflow pressure: the first 6 months on a serviced basis, the final 6 months with interest retained — providing breathing room in the exit phase without front-loading the cost.
Missing the deadline was not an option. The client's position — and potentially their ownership of the asset — depended entirely on the money completing in time.
What Could Have Gone Wrong
The 24-hour window removed almost every standard lender from the equation. Most bridging products operate on timelines measured in weeks, not hours. Semi-commercial security adds a further layer of complexity: mixed-use assets require lenders with specific appetite for that property type, and those lenders aren't always the fastest to move.
The margin for error was zero. Any documentation gap, any underwriting delay, any lag in the legal process — a single failure at any point would have pushed completion past the notice deadline.
- Lender pool shrinks sharply — semi-commercial assets with same-day urgency disqualify the majority of bridging lenders before the conversation even starts.
- Documentation delays collapsing the timeline — a single missing piece of evidence mid-submission would halt underwriting and burn the remaining hours.
- Underwriting queue overflow — standard processing pipelines are built for days, not hours; without direct relationships, cases queue behind others regardless of urgency.
- Legal bottleneck killing completion — conveyancing at pace requires simultaneous movement on all sides; any sequential lag and the deadline is gone.
The A2Z Solution
From the moment the case came in, A2Z ran every part of the process in parallel. There was no time for a sequential approach — submission, legal coordination, and lender liaison all had to move at the same time. Speed without structure causes mistakes; the priority was to move fast and do it right.
The hybrid repayment basis was structured from the outset, as this both strengthened the clarity of the application and directly addressed the borrower's cashflow position during the term. A complete, clean submission package was built before a single document was sent — eliminating the back-and-forth that kills timelines.
- Identified a lender with appetite for semi-commercial security and the operational capacity to underwrite within hours — not the most obvious choice, but the right one for this timeline.
- Structured the hybrid repayment (6 months serviced / 6 months retained) upfront to optimise the application and manage the borrower's cashflow risk across the 12-month term.
- Built a complete, clean submission package in a single pass — no missing documents, no return queries, no delays waiting for corrections.
- Maintained direct, continuous liaison between the lender's underwriting team, both sets of solicitors, and all other relevant parties throughout.
- Ran legal coordination simultaneously alongside the underwriting process — preventing any sequential bottleneck from emerging in the final hours.
- Pushed the case through to legal completion before the 24-hour notice deadline expired, allowing the client to resolve the notice and protect their position.
The Outcome
£615k
Facility Secured
24hrs
Completion Time
70%
LTV
£900k
Property Value
12mo
Term Length
6+6
Hybrid Repayment (Serviced / Retained)
Notice Resolved on Deadline
Client Position Protected
Semi-Commercial Security Accepted
Unregulated Bridging Finance
Frequently Asked Questions
Can I get a bridging loan on a semi-commercial property?
Yes. Semi-commercial properties — those with a mix of residential and commercial use — are accepted security for unregulated bridging finance. The pool of willing lenders is smaller than for pure residential assets, which is why lender selection and case presentation matter considerably. In this case, A2Z Bridging completed a £615,000 unregulated bridging loan at 70% LTV against semi-commercial security in Kingston upon Thames. If you have a semi-commercial property and need short-term finance, speak to the team about your options.
What is unregulated bridging finance?
Unregulated bridging finance applies where the security property is not the borrower's main residence — typically investment properties, commercial assets, or semi-commercial properties. Because it sits outside FCA consumer mortgage regulations, it allows for more flexible structuring and, critically, faster processing — which made it the right product for this 24-hour completion case. A2Z Bridging can place both regulated and unregulated bridging facilities depending on the property and borrower profile.
What happens if I'm facing a 24-hour deadline to complete?
It is achievable — but only with the right broker and the right lender in place immediately. The critical factors are speed of case packaging, precise lender selection, and running legal and underwriting processes simultaneously rather than sequentially. In this case, A2Z Bridging completed a £615,000 bridging facility against semi-commercial security within a 24-hour notice period by doing exactly that. If you are facing a time-critical deadline, contact us as soon as possible — the earlier we have the details, the more options remain available to you.
What repayment structures are available on a 12-month bridging loan?
Bridging loans can be structured in several ways depending on your cashflow position and exit strategy. The main options are: fully retained interest (rolled into the loan from day one, no monthly payments), fully serviced interest (paid monthly throughout the term), or a hybrid of both. In this case, the first 6 months were serviced and the final 6 months retained — a structure chosen to ease cashflow pressure in the early stage while providing a clear exit runway. A2Z Bridging assesses the right repayment structure as part of the initial case-structuring process.
Facing a Tight Deadline of Your Own?
Talk to an advisor today — most cases get an initial answer within hours.