9-Bedroom HMO
£630,000 Bridging Finance
The borrower secured a tenanted HMO below market value (£700k purchase vs £850k valuation). We structured a bridge at 90% of the purchase price. By refinancing onto a 75% LTV mortgage just one month later, the borrower’s total capital contribution was significantly lower than a standard 25% deposit.
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"I can’t recommend Gindy and Lizzie highly enough. Gindy’s knowledge of commercial finance is second to none, and Lizzie’s organisation and communication ensure nothing is ever missed. They make what can be a complex process feel straightforward and manageable."
- C Monk
"The team at Create Commercial Finance is truly in a league of their own. Gindy and Lizzie possess a profound understanding of the mortgage market that is essential for any serious investor. They don't just find products; they understand the nuances of portfolio growth and business financing. Their service is seamless, their knowledge of the lending landscape is top-tier, and I wouldn’t hesitate to recommend them to anyone looking to scale their property portfolio."
- R Anderson
"I can honestly say I wouldn’t be where I am without Lizzie and Gindy. From day one, they didn’t just act as mortgage brokers — they became a huge source of guidance and support for me. They’ve helped me through multiple deals, including ones that fell through, and at no point did they ever make me feel like I was “just another client. "
- Logan Crossfield
"I’ve been working with Create for the past few years for my buy-to-let mortgages and bridging loans, and they are by far the best broker I’ve come across. Their service is consistently fast, efficient, and completely transparent. "
- A Brown
"I recommend them to everyone, and they have never let me down. They are professional, reliable, and absolutely trustworthy. I can’t recommend them highly enough. "
- D Twenefour
If you have a commercial or specialist finance requirement, you can use our form to submit an enquiry or alternatively get in touch with a member of the team.
