Client Background

A repeat South Wales client with a portfolio of over 15 residential, mixed-use, and semi-commercial properties required funding to purchase a partially-let mixed-use property prior to an auction.

Challenge

Withdrawing pension funds to finance the purchase would have triggered a substantial tax liability. The property required cosmetic works to the residential element before reletting, adding both pressure and opportunity.

Solution

Cornerstone delivered an £80k commercial bridging facility that:

  • Leveraged the client’s extensive property background
  • Enabled purchase outside of auction and at a discount
  • Provided credit-backed terms within 24 hours
  • Completed within 21 days from start to finish

Outcome & Additional Value

Cornerstone arranged long-term term funding to exit the bridge, allowing the client to retain liquidity and avoid unnecessary pension taxation while expanding their portfolio.

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