When a portfolio comes to market as a bulk sale, the window to act can be short. And with multiple properties involved, the extensive admin work required to complete the purchase can quickly become the deal-breaker.
That’s exactly the challenge one experienced property investor faced when an opportunity arose to acquire 28 residential investment properties in a single purchase. They wanted to move fast, minimise upfront cash, and keep funds available for the next opportunity.
They came to us via Inca Financial, introduced by John Aikman, with Alice van Duijvenvoorde, Regional Director at Ultimate Finance, leading the deal.
28 properties. One chance to secure.
The borrower’s ambition was clear: growing their property investment portfolio. Rather than adding assets one-by-one, they spotted a rare chance to acquire a large portfolio from a landlord selling in bulk.
That kind of opportunity can be highly attractive, but it also brings complexity. With 28 properties in play, the process can slow down quickly if each one needs the same level of valuation work and paperwork.
This deal needed a funding partner who could handle:
- Volume – 28 separate properties
- Pace – so the client could secure the portfolio
- A practical approach to valuation – to avoid unnecessary delays and cost
- A higher advance against the purchase price – helping the borrower preserve cash for future investments
In short: it had to be fast, but it also had to be deliverable.
Flexible Bridging Finance, built for real-world property deals
Ultimate Finance supported the purchase with a £1,143,000 Bridging Finance solution, delivered through Optimise – our streamlined online application and underwriting process, built for maximum speed and efficiency.
A key part of keeping this deal moving was valuation strategy. 26 of the 28 properties were valued on a desktop basis, helping deliver two immediate benefits:
- Speed: fewer moving parts in the valuation stage, helping progress the application more efficiently
- Cost control: desktop valuations reduced the valuation costs that would typically come with physical inspections across a large portfolio
We also structured the facility to help the borrower keep more cash available. With 91.02% net loan to purchase price, they were able to minimise their cash input – keeping liquidity for what comes next.
“On deals like this, it’s not just about moving quickly – it’s about knowing where you can be flexible and where you need to stay close to the detail. That balance helped us give the borrower confidence, continue to grow our relationship with a valued introducer, and get a complex purchase over the line within agreed timescales.”
Alice Van Duijvenvoorde | Regional Director, Ultimate Finance
Momentum kept. Purchase completed.
With the right structure and a valuation approach designed for speed, the borrower completed the purchase and successfully added 28 residential assets to their investment portfolio.
And for the introducer, it was a strong example of what happens when a lender combines a flexible credit appetite with practical delivery.
“A 28-property purchase was never going to be straightforward, and deals like this fall over when the lender can’t move at the pace of the opportunity. Ultimate Finance could. They got their heads round the complexity quickly and stayed flexible where the deal needed it, taking a straightforward pragmatic approach. Successful results all round.”
John Aikman | Introducer | Inca Financial
When your clients need pace, you need certainty
Property transactions often need to move quickly, and the right funding partner can make all the difference.
If you’ve got a client with a time-sensitive opportunity, Ultimate Finance can help you deliver with:
- Flexible underwriting that fits the deal, not the other way around
- Practical valuation options, including desktop valuations where appropriate
- High leverage against purchase price, helping clients preserve cash
- A specialist team used to handling complex property transactions at speed
