Case Studies

Commercial Mortgage Secured for a Specialist Care Home

The Situation

Our client, a highly experienced professional with over 25 years in the commercial care sector, approached us for help with financing a new project.

He planned to convert a residential property into a care home for troubled children—a project close to his heart and backed by deep industry knowledge.

Despite his impressive background, he had struggled to secure a commercial mortgage through a previous broker, who had labelled the case "unplaceable."

The Challenge

There were several barriers to getting the right finance in place:

• The client needed a 75% Loan-to-Value (LTV) commercial mortgage
• A down valuation from the surveyor threatened the entire deal
• The process involved intense scrutiny and paperwork, which made progress slow and frustrating
• The client had already faced knock-backs and delays with no clear path forward

Our Solution

We took a proactive and personal approach:

• Reviewed the proposal in detail, carefully matching the client with a lender that truly understood his project
• When the property was down valued, we prepared and submitted a strong appeal—which was successful
• Our team handled the communication between all parties, reducing unnecessary paperwork and keeping everything on track

The outcome

We successfully secured the 75% loan to value (LTV) commercial mortgage, giving our client the green light to move ahead.

The residential property is now being transformed into a specialist care home for children in need, making a meaningful difference in the local community.

Testimonial

“The team went above and beyond to make this happen. After facing numerous obstacles and nearly giving up, their persistence and expertise turned things around. I couldn’t be more grateful for their hard work and commitment.”

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