Inspired Lending completes £380,000 loan for two-week deadline buyout

The case was initially placed with a mainstream lender, but automated valuation checks failed due to a lack of comparable sales data on the client’s long-owned and enhanced main residence.

This lead the introducer, Sam O’Neill, senior bridging consultant at KIS Finance, to explore alternative funding options.

Inspired Lending structured the loan using a third-party legal charge on the borrower’s unencumbered main residence, avoiding the need for a full valuation.

The property was instead assessed directly by a member of the Inspired team, solicitors were instructed on the same day, and completion was achieved within two weeks.

The 0.89% per month facility is expected to be refinanced against the borrower’s wider portfolio when their existing fixed rates expire in 2026.

Commenting on the case, Owen Bentley, sales director at Inspired Lending (pictured above), said: “This was a case where speed and structuring expertise made the difference.

“By taking a pragmatic approach to security and drawing on our in-house experience, we were able to deliver within tight timescales and give the borrower the support they needed to proceed with the land purchase.

“Importantly, it also shows how we can help brokers who might first turn to mainstream lenders but need a reliable alternative when deals do not fit conventional criteria.”

Sam O’Neill, senior bridging consultant at KIS Finance, added: “In this case, KIS had a long-standing client whose business needed a fast cash injection.

“Using their residential property as collateral, we approached Inspired to secure a third-party legal charge. With a hard deadline in place, we required a lender willing to take a holistic view of the client’s circumstances and wider portfolio.

“Although the property was highly valuable, online valuation tools failed to capture its worth due to extensive improvements over time.

“Inspired’s team visited both the property and client directly to make the deal happen. That personal approach is becoming increasingly rare, and it takes a smaller, agile lender to deliver it consistently.”