Enquiry: A portfolio landlord operating through a limited company required funding against a semi-commercial property consisting of a retail unit and residential flats.

Challenge: The rental income alone did not meet high street affordability criteria, making it difficult to secure funding through traditional lenders.

Solution: By leveraging a lender that accepts top slicing, we incorporated both personal and business income to strengthen the affordability assessment. This approach enabled approval and a smooth completion within a tight timeframe.

Loan Amount: £1,100,000
Property Value: £1,600,000
Loan to Value (LTV): 69%
Completion Time: 21 days from initial enquiry