£615,000 Semi-Commercial Bridging Loan Completed in 24 Hours
A formal notice had been served, giving the client 24 hours to resolve their position. The security was a semi-commercial property in Kingston upon Thames — a mixed-use asset that narrows lender choice at the best of times. A2Z Bridging structured the case, placed the facility, and completed a £615,000 unregulated bridging loan at 70% LTV before the deadline expired.
Deal Snapshot
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.
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.
Got an urgent bridging requirement to place?
Semi-commercial security, tight notice deadlines, or complex structures — we structure and place the case correctly, the first time.
A2Z Bridging Ltd is authorised and regulated by the Financial Conduct Authority · FRN 808769
The Outcome
Facing a deadline that can't move?
Whether it's a formal notice, a chain break, or a time-sensitive acquisition — A2Z Bridging structures and places cases at the speed the situation demands. Semi-commercial, residential, or commercial security considered. Talk to the team today.
A2Z Bridging Ltd · Authorised & Regulated by the FCA · FRN 808769 · We are a broker, not a lender.
Frequently Asked Questions
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.
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.
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.
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.