At Scale Property Finance, we pride ourselves on finding creative, fast, and flexible funding solutions that help our clients move quickly and scale smarter. In this case, we helped a client raise £190,000 by unlocking equity from their existing portfolio—without selling a single asset.
The Challenge
Our client approached us with a time-sensitive acquisition opportunity: they needed to raise capital but didn’t want to disrupt their existing portfolio or refinance their current mortgages.
They faced three key obstacles:
- Limited Liquidity – Their capital was tied up across a portfolio of mortgaged properties.
- Avoiding Early Redemption Charges – Remortgaging would have triggered unnecessary fees and delays.
- Urgency – They needed access to funds quickly to avoid losing the purchase opportunity.
Our Solution
At Scale Property Finance, we’re experts in unlocking the value within our clients’ portfolios. Here’s how we delivered a fast and flexible funding solution:
✅ £190,000 Raised via Second Charge Loans
We arranged second charge borrowing across multiple properties in their portfolio, helping the client to release equity without refinancing their existing mortgages.
✅ No Disruption to Existing Finance
By structuring the deal with careful attention to lender criteria and property values, we helped avoid early repayment charges and maintain existing financing arrangements.
✅ Fast Turnaround
From initial enquiry to funds in the client’s account, we moved quickly ensuring they didn’t miss out on their new acquisition.
The Outcome
💷 Capital Raised Without Selling or Refinancing
The client successfully accessed £190,000—while retaining full ownership and control of their existing portfolio.
📊 Smarter Capital Utilisation
By tapping into equity through the second charge approach, our client deployed capital more efficiently, supporting their investment plans with minimal friction.
⏱️ Purchase Completed On Time
With funding in place, the client moved forward with their new purchase confidently and without delay.
Why Scale Property Finance?
At Scale Property Finance, we don’t just arrange loans—we help investors to unlock opportunity. Whether you need acquisition finance, second charge lending, or bespoke portfolio structuring, we deliver creative solutions that align with your strategy and timelines.
Looking to raise capital without selling or refinancing your assets? We can help.
👉 Let’s talk—get in touch today to explore how we can fund your next move.
