Arc & Co. has announced that has arranged a total of £2m in financing across three distinct property transactions, each involving complex structures or unusual assets.
£1.17m bridging loan for Scottish holiday park
Sam Beaumont (pictured), asset finance advisor at Arc & Co., arranged a £1.17m bridging loan to support the acquisition of a holiday park in Scotland. The nature of the site presented difficulties in securing finance, largely due to valuation challenges linked to the unique asset type.
A successful outcome was achieved through collaboration with a lender whose in-house specialist in holiday lodges could provide the necessary expertise to assess the site. Sam managed a complex borrowing structure while keeping the transaction on schedule.
The bridging loan, arranged for a 12-month term, carries a 1% monthly rate and a 90% loan-to-value (LTV) ratio.
Samuel said: "This case demonstrates the critical importance of finding lenders with genuine specialist expertise in niche asset classes. The initial valuation challenges highlighted how crucial proper asset understanding is to unlocking appropriate financing.
"By leveraging our lender relationships with sector expertise, we've not only secured the acquisition funding but are now looking to structure a second tranche to help complete phase one of the lodge development, transforming the site into an operation with a bright future."
£500k refinance for BTLs with option agreements
In another deal, Sam secured a £500,000 refinance facility for a landlord with a portfolio of four buy-to-let residential properties. Each property was subject to option agreements, granting tenants the right to purchase the homes on specific dates regardless of freehold ownership.
The client aimed to refinance only 50% of the existing portfolio debt. However, the presence of the option agreements limited lender appetite, given that these clauses can restrict a funder's control over the asset. Even some lenders known for handling complex transactions declined the proposal.
After an extended tender process, a mainstream buy-to-let lender agreed to support the transaction. The deal was completed on a 2-year fixed rate of 5.54%.
"This case required extraordinary persistence. By understanding the market and being unwilling to give up, we managed to partner with a lender who recognised the value of the deal despite its unusual structure," said Sam, “We are not strangers to non-standard requirements at Arc & Co. and are pleased to have the necessary relationships and coverage to assist borrowers in a wide range of circumstances.”
£607k refinance of self-build development
In the final case, Sam arranged a £607,000 refinance facility for a borrower who had completed a self-build residential development. The project began with the purchase of a home and adjoining land, which was later granted planning permission for a second property.
Following practical completion and successful letting of the new build, the borrower sought to refinance their existing development facility. The refinancing was structured as a buy-to-let loan with a 5-year fixed rate of 4.74%, releasing capital to support the client's next project.
