Bridging & Commercial Case Studies


Bridging loans are becoming increasingly recognised as useful and valuable to individuals and businesses looking for quick, short-term commercial funding solutions. Fast and flexible, they can be applied to a number of scenarios whether buying a property, raising capital, meeting business obligations or settling tax liabilities. Bridging loans can be used to help businesses resolve emergency situations or take advantage of new opportunities.

Here are a few scenarios where Y3S Bridging & Commercial stepped in to help clients requiring short-lending:

Debt forgiveness

More common than you might think

Principle benefits

  • No monthly repayments required
  • No income required

How we helped

Our introducer had a client who was in dispute with his current mortgage provider. Our client owned two small hotels, and was miss-sold on a mortgage swap product a few years previously. The lender accepted liability and offered debt forgiveness, as long as the client could refinance the first charge with a three week deadline. No commercial mortgage lender would provide the agreed loan amount, in the timeframe given.

We assessed the case and with our knowledge, found a bridging lender who would be able to offer a low rate and who also understood the complexities behind the miss-sold product. We were able to arrange a £1.2m 12 month loan facility, saving the client approximately £1.5m. They then had the time to refinance onto a more suitable long term product, even gaining equity over the term as part of the process.


Expat landlords

We can help

Principle benefits

  • Low rental calculation
  • Limited landlord experience

How we helped

Our introducer came to us with an enquiry from an expat client. Most lenders on the introducer’s panel tend to shy away from this sort of application. The client wanted to raise capital on an existing BTL property to help fund the deposit on a new BTL. However, the client was reliant on his partner’s income for financial support.

With our expertise, we presented the case to one of our lenders; we covered all the negatives, and focussed on the positives. Our lender was happy to proceed and provided a 70% BTL mortgage for the purchase.


Stopping a potential bankruptcy

The light at the end of a dark tunnel

Principle benefits

  • No monthly repayments required
  • No income required

How we helped

Our client had got into strife in relation to a HMRC tax bill. Their business starting failing and they couldn’t keep up with their monthly commitments. Their first charge mortgage lender had issued legal letters for repossession and HMRC demanded the tax liability to be paid in full.

We assessed the case and provided a 12 month 1st charge facility, clearing the mortgage lender, the outstanding HMRC bill and satisfying all defaulted credit. The client was then able to sell the property, downsize and get his finances back on track and avoiding potential bankruptcy.


First time landlord

Taking those first steps

Principle benefits

  • No bank statements required
  • No proof of income required

How we helped

Our introducer had searched the main market and kept hitting brick walls. He had a client who was planning his first steps into the property rental business. Most lenders were requesting minimum income of £25k per annum which the client could not provide.

With our expertise, the rent expected was more than enough to cover the intended repayments. We provided the client with an 80% LTV BTL mortgage, with no minimum income required.


100% rental cover

For obtaining a larger loan advance

Principle benefits

  • First time landlord
  • Foreign nationals accepted

How we helped

Our introducer referred a client who ticked all the relevant boxes for landlord experience. However, on one of the client’s properties, the existing lender had ‘called in’ the loan.

Due to the LTV and current rent and markets conditions, the mainstream BTL lenders had declined the case. With our product the rent was based on a 100% rental calculation and wasn’t liable to stress testing.

We were able to refinance the client, who opted for a 2 year tied-in product which gave him enough breathing space to refinance at a later date and on his terms.

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