Lichfield | Investment Purchase

Apr 29, 2026

Higher leverage. Clear underwriting.

This 75% LTV bridging loan was structured to support an investment acquisition with a clear exit strategy and defined investment rationale.

£742,500 was provided using an AVM structure with completion achieved within three weeks.

The Scenario

The borrower required higher leverage to support an investment acquisition with a clearly defined strategy already in place.

The strength of the underlying asset, combined with a realistic exit and straightforward structure, supported the overall lending approach. Early clarity around the deal allowed the transaction to progress efficiently without unnecessary complexity.

The Structure

The structure balanced leverage with practical underwriting, allowing the borrower to secure funding quickly while maintaining a clear and commercially sensible approach to risk.

First charge bridging
£742,500 facility
75% LTV
AVM structure
Three-week completion

This 75% LTV bridging loan was designed to support the acquisition quickly while maintaining a clear and commercially sensible approach to underwriting.

The Outcome

Higher leverage does not need to create unnecessary friction.

In higher leverage transactions, confidence in both the asset and the exit strategy becomes increasingly important. Where the fundamentals of the deal are strong, leverage alone should not become a blocker to progress.

In this case, the combination of asset quality, structure, and exit strategy allowed the transaction to be assessed quickly and progressed with confidence.

For brokers, these types of deals often rely on early underwriting clarity and a lender willing to look beyond headline leverage to understand the wider rationale behind the acquisition.

Where the structure works and the exit is clearly understood, decisive lending can keep transactions moving without unnecessary delays.

Clear underwriting.
Decisive lending.
Delivered as expected.

📍 No Drama. Just Deals.

What Brokers Say

We’ve worked with ScotLend for over two years and it’s been a consistently positive experience. Their can-do attitude, responsiveness and commercial approach make getting deals done straightforward. It’s a refreshing shift away from the more antiquated way of doing things. Communication is direct, decisions are quick, and their structure keeps everything simple and transparent. They’re efficient, easy to work with, and always a pleasure to deal with.

Sarah Fisher, Acquisitions & Investments, Kensington Shorre

I have known David Travers, the co-owner of ScotLend for many years now. We have been using their products and services since they launched as Scottish Bridging Loans in 2023 and since the re-brand to ScotLend, David’s knowledge, dedication and expertise has taken the business to the next level up. The highly professional team at ScotLend put the client at the heart of the transaction and our experience of the way they conduct their business has been fantastic.

Alistair Ewing, Managing Director, The Lending Channel

Working with ScotLend has been a delightful experience especially when you’re up against tight timelines and clients who need answers yesterday. No overcomplicating matters just straight decisions, and a team that actually picks up the phone. What stands out is their willingness to actually listen. When a deal needs a bit of context or clarity, the underwriters are open to the conversation, take the time to understand the client’s position, and look at the bigger picture rather than just what’s on paper.

Noreen Baqir, Circle Finance

As a commercial broker, having access to a reliable bridging lender is obviously really crucial. ScotLend has proven to be a very trusted partner, consistently delivering speed, flexibility, and a pragmatic approach to underwriting, that enables me to provide fast, effective solutions for my clients. The team at ScotLend are also an absolute pleasure to work with and the focus they have on clear and effective communication always helps ensure a positive experience for myself and my clients.

Kevin Gaughan, Director, DMK Finance

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