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Second charge loan for business purpose

Our client was a married couple with a portfolio of 30 buy to let properties. They were renovating two of these properties and wanted to raise £250,000 to pay for the cost of the works, but they did not want to negatively impact their cashflow.

Their main residence was a six-bedroom detached house in South West London, valued at £3m, with a small first charge of £560,000.

As the funds were being released for a legitimate business purpose – to invest in the couple’s buy to let portfolio – we secured a second charge loan on this property with a lender that was able to roll up the interest. This meant that no regular payments required to service the balance and so the loan did not impact their cashflow.

At the end of the two-year term, the repayment method for the loan was refinancing properties within their buy to let portfolio.

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