Success Stories

£197,250 Bridging Secured at 75% LTV After £13,000 Valuation Uplift

A £250,000 property purchase in Banbury received a RICS valuation of £263,000, creating a £13,000 difference between the purchase price and market value. Working with the lender, Merryoaks secured a £197,250 bridging facility at 75% LTV based on the higher valuation, with a 24-month term to allow time for refurbishment before refinancing.
Learn more

£2.1m Commercial Refinance Releases £430k for UK Property Investor

A client refinancing a 15 unit block of flats in Exeter needed to release equity after their existing lender wouldn’t increase the loan. Merryoaks secured a £2.1m commercial term loan at 65% LTV and 5.18% per annum, with no arrangement fee, exit fee or personal guarantee, freeing up capital for further property investment and business use.
Learn more

£1.5m Term Loan Secured on 11 Bed HMO and Studio in Harrow

An investor converted an £850k office building in Harrow into an 11 bedroom HMO and studio apartment. When it came time to refinance the short term finance, the valuation was key. Merryoaks secured a £2.1m valuation and arranged a £1.5m BTL term loan, completing the refinance in 4 weeks.
Learn more

£198,000 Secured for a 6 Bed Social Housing HMO in Manchester

An experienced investor converted a three bedroom house in Manchester into a six bed social housing HMO and needed to refinance out of the investor funding. Merryoaks found a specialist lender comfortable with the social housing lease and completed within the deadline.
Learn more

£1.4m Development Loan Secured for a 7 Unit Whitstable Project

A developer duo in needed to move from a bridging loan onto a development loan, but a phased planning process made it more complex than a standard refinance. We structured a facility around it, with £384k released on day one to clear the bridge and get the works started on a 7 unit scheme.
Learn more

£1.3m Secured for a 25 Unit Seafront Scheme in Blackpool

A developer needed to move fast on a Blackpool seafront site. We bridged it, worked through the development requirements in the background, and structured a loan that cleared the bridge on day one and funded a 29 unit scheme.
Learn more

£243,000 Secured to Buy a London Flat and Extend the Lease

A portfolio landlord found a London flat at £184,000, nearly £141,000 below its open market value. It had a short lease but we found a specialist lender willing to fund against the post extension GDV and cover 100% of the lease extension cost within the deal.
Learn more

£374k Refinance Completed Despite Down Valuation Challenge

When a bridging exit was at risk due to a down valuation, we restructured the deal and secured a £374,000 term loan at 4.79%, helping the client move onto long term finance without delays.
Learn more

£1.037m Term Loan Secured for 8 Council Leased Homes

A complex refinance of 8 council leased flats with unit size, credit history and overseas ownership challenges. See how we secured a £1.037m term loan at 74% LTV.
Learn more

£798,000 refinance on a complex Grade II listed property

A refinance involving multiple entities, title splits and a listed building needed careful structure and collaboration. By managing every stage of the process and aligning the right lender, Merryoaks helped the client achieve a seamless completion.
Learn more

Merryoaks Secures £5.9m Development Loan for 6-Unit Scheme in Essex

Despite a long list of challenges, from valuation issues to land negotiations, difficult tenants and lender hesitations, we secured a £5.9m loan for a 6-unit scheme in Essex with a GDV of £9.8m.
Learn more

£4.3m Development Exit Loan Secured for 11-Unit Scheme in Norfolk

When a Norfolk-based developer faced pressure from an expiring loan facility, they turned to Merryoaks for a fast solution. With 4 of 11 homes already sold and strong interest in the rest, the project was close to completion, but their existing lender was unwilling to extend again.
Learn more

£927k Term Loan Secured for 14-Bed HMO

When another broker couldn’t deliver, this developer turned to Merryoaks. We repositioned the deal, found the right lender and completed in just 12 weeks. Read the full story...
Learn more

£562.5k Exit Loan Delivered Using AVM Valuation Under 30 Days

A developer needed urgent finance to redeem an existing facility on a residential unit in Devon. With strict time constraints and limited valuation options, standard lenders couldn’t deliver. A flexible, time-sensitive solution was essential.
Learn more

Why Merryoaks?

The Merryoaks Property Finance team have a long and successful background in finding and providing creative financial solutions for property investors and developers throughout the UK. Our aim is to help you fund your next investment or development project and be part of your on-going growth to bigger and better deals.
More info
Highly Experienced, Relationship Driven, Solution Focused.

Tell Us About Your Project

No obligation | Fast response | FCA regulated

As seen on:

Services
Short Term FinanceDevelopment FinanceInvestment Finance

Merryoaks Property Finance LTD is an appointed representative of Abundance Finance LTDwhich is authorised and regulated by the Financial Conduct Authority under FRN 926161.

Warning: your home may be repossessed if you do not keep up repayments on yourmortgage or any other secured loans.

Contact Info
+44 (0) 203 797 7559info@merryoaks.com
Merryoaks Property Finance LTD is an appointed representative of Abundance Finance LTD which is authorised and regulated by the Financial Conduct Authority under FRN 926161.

Warning: your home may be repossessed if you do not keep up repayments on your mortgage or any other secured loans.

Merryoaks Property Finance Limited is a company registered in England and Wales. Company Registration Number – 13249675. Registered office address – 50 Liverpool St, London EC2M 7PY
website by andbetween®
Saam Lowni Portrait

Join Saam Lowni’s Monday Musings

A weekly dose of lessons from 20+ years in property

Subscribe now
close icon with X sign