Unlocking Capital from an Unencumbered Semi-Commercial Property

Client Background

We were recently approached by an experienced landlord seeking to raise capital against his unencumbered semi-commercial property in Leeds. The funds were required to support further property acquisitions and expand his portfolio – ultimately increasing his monthly income streams.

The Property:
Ground and basement floors: Office space for the client’s own business
Upper floors: A 4-bedroom residential unit

Challenges Faced

Part of the rental income was received in cash, making it more difficult to evidence for lenders

A formal commercial lease needed to be established between the client and his trading business.

Title irregularities with Land Registry required resolution.

How We Helped

We took a proactive, hands-on approach from the outset, guiding the client through each stage of the process. We worked closely with the client, his solicitor and the lender to evidence the client’s cash rental income, formalise a lease agreement between the client and their trading business, and resolve title irregularities with Land Registry.

The Outcome

Through close collaboration with the lender and solicitor, we successfully arranged borrowing at 75% Loan-to-Value (LTV) on a 5-year fixed rate, all completed within 4 months of the initial enquiry. 

The result — access to the capital needed to expand the client’s portfolio and strengthen future income streams.