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Helping a first-time property investor secure six‑figure funding
The commercial property finance market can be difficult to navigate, particularly for first‑time investors. Lender appetite varies widely, loan‑to‑value thresholds can be restrictive, and pricing and flexibility are not always transparent. For many businesses, understanding which funding route best supports both short‑term transactions and long‑term strategy is a significant challenge.
A newly established commercial property investment business encountered this complexity when acquiring its first commercial asset.
The Challenge
The property investor had a clear long‑term strategy: to build a diversified portfolio of commercial investment properties over time, using equity from each acquisition to support future growth.
However, securing funding for the initial purchase presented several hurdles.
Despite an existing relationship with a mainstream bank, the terms available were restrictive, with loan‑to‑value limits that fell short of what was needed. The business required a solution that would maximise borrowing, provide certainty over repayments, and retain flexibility to reduce the balance efficiently.
They needed:
- A high loan‑to‑value facility to support their acquisition strategy
- A competitive interest rate, fixed for a set period
- The flexibility to make capital overpayments without heavy penalties
Without access to a broader view of the market, progressing the purchase risked becoming delayed or financially inefficient.
The Solution
The property investor turned to Julie Cuthbertson, Chief Funding Solutions Officer at UMi Get Funding for expert guidance and access to specialist lenders beyond the high street.
Working closely with an experienced funding adviser, the business completed a full review of its objectives, financial position and long‑term plans. Get Funding explored a range of commercial investment products, assessing loan‑to‑value levels, pricing, fees and repayment flexibility across several lenders.
UMi identified a specialist commercial lender able to offer a solution that closely aligned with the property investor’s priorities.
The recommended facility provided:
- Up to 75 per cent loan to value
- A competitive fixed interest rate
- Lower upfront arrangement costs than alternative options
- The ability to make capital overpayments without penalty
The Outcome
The business secured a £168,750 loan, enabling them to complete the property purchase and take the first step in their investment strategy.
The funding structure provided certainty, affordability and flexibility, allowing the property investor to:
- Complete the acquisition with confidence
- Build equity efficiently to support future portfolio growth
With the right facility in place, the property investor now has a solid foundation from which to expand their commercial property portfolio over time.
Facing similar challenges with commercial property or investment funding?
Talk to Julie and the UMi Get Funding team today to explore your options.
👉 Let’s talk.