Access Financial Services has arranged a £455,000 bridge loan at 65% loan-to-value (LTV) for a first-time hotel buyer.
The borrower had experience in the buy-to-let (BTL) sector but was new to hotels.
Funding was needed to give the buyer time to gain experience before moving to a longer-term commercial mortgage.
Tom Wall at Access Financial Services structured the deal with a flexible product from a specialist lender, using a hybrid facility that combined features of bridging finance and BTL mortgages.
This suited the exit plan better than a standard bridging loan.
The borrower provided a business plan, financial forecasts, and evidence of the hotel’s trading potential.
The lender reviewed the case based on the buyer’s background, the property’s online ratings, and demand in the area.
Legal completion was achieved in two weeks, allowing the borrower to take ownership and start operating the hotel quickly.
Nick Jones (pictured), mortgage sales and marketing director at Access Financial Services, said: “This case demonstrates the value of specialist products and flexible underwriting when supporting clients stepping into new sectors.
“By working closely with the lender, we were able to align the finance precisely with the borrower’s long-term plans, turning what could have been a challenging proposition into a smooth and successful acquisition.
“The deal highlights Access FS’s expertise in navigating complex commercial and specialist lending scenarios, connecting clients with innovative solutions to achieve their property goals—even in unfamiliar territories like hospitality investment.”
Jones added: “It’s also a mark of our ambitions. We’re actively recruiting as we look to grow our specialist adviser base.”