- £400K refinance completed just in time, helping the client avoid penalties.
- Fast turnaround achieved by kicking off valuation and legals immediately.
- Clear communication and teamwork kept the case moving from start to finish.
The case came through Kuldip Shokar, Director at Karaya Capital, and with the clock ticking, we moved fast. We secured the facility against a six-bed HMO bungalow valued at £650,000, completing at 75% LTV over a five-year term.
Because there was no room for delay, we kicked off valuation and legal workstreams straight away, bringing in Capital Value Surveyors and Pure Law from day one. Serena Grewal, Regional Account Manager, worked closely with Underwriter Simone Thompson, keeping everyone aligned and pushing progress from start to finish.
The refinance gave the borrower enough funding to clear the bridge in full, allowing them to continue without disruption.
Serena said:
Time was tight, so we had to plan everything from the start. We instructed valuation and legals on day one and kept constant dialogue between everyone involved. The accessibility of our underwriting team and our focus on the outcome, not the obstacles, made the difference. The client repaid the bridge on time, avoided heavy penalties and moved straight into a long-term position that gives them stability for the future.
Kuldip Shokar, Director at Karaya Capital, commented:
From the first call it was clear the team were on the front foot. Communication was clear, decisions were quick and everyone stayed accessible throughout. Having underwriters we could reach directly and a BDM who kept every part moving meant the case never lost momentum. That level of coordination is what brokers need when deadlines are non-negotiable.
Andrea Glasgow, Sales Director, Specialist Mortgages and Bridging Finance at HTB, added:
When deadlines are this tight, structure and clarity make all the difference. Our teams work closely with brokers and underwriters from the very start, keeping communication open and decisions quick. That close coordination gives brokers confidence that, however complex or time-critical a case might be, we will see it through.