Mortgage for a client looking to purchase via a Ltd Co vehicle and then transfer shares post completion

Mortgage for a client looking to purchase via a Ltd Co vehicle and then transfer shares post completion

Article by James Palmer Associate Director - Specialist

What was the situation?

My client approached me looking to initially buy a property in a limited company name, then transfer the shares of that company onto another person post completion.

Located in London, they were looking to borrow £285,000. The key was to find a lender who was happy to provide a loan to an individual but on completion, transfer it to another entity. Typically lenders would deem this as a new application entirely.

What was the issue?

The main difficulty with this application was that the client found it challenging to find a lender who was happy with the facility being transferred to another person post completion.

What was the process?

Using my extensive knowledge, I was able to approach certain lenders that I thought would consider supporting this structure and future plans, whilst also being able to provide the lending that the client required.

With extensive years of experience in sourcing facilities of a complex nature, I could speak directly to relationship managers who would see potential in the deal, but also identify the risks and provide solutions.

It was important for me to be hands-on throughout the process, from pre-submission to post-completion, ensuring the transfer had been successful. I also made sure I was available to the client outside of hours as the client was overseas often, and therefore in a different time zone.

What was the solution?

I was able to successfully secure the funding required to enable them to purchase the property and transfer the asset to a third party on completion as agreed with the lender. This meant the lender had to assess the third party as part of the application also, so that was very complex.

The facility was agreed with a 12 month term at a competitive rate. Now the client has secured the property, they can move to the next stage of transferring the name over.

The client was pleased with the outcome and appreciated LDN’s tenacity to get the deal over the line.


Need some help in securing specialist property finance? Our experts are on hand to assist. Call 020 3903 9875 to speak to an adviser, or use our online contact form.

Need expert mortgage advice?
We can help.

Get in touch with our expert residential mortgage advisers today to get started on your property finance journey. Whether you’re buying your first home, upsizing for more space or refinancing your property portfolio, our award-winning mortgage brokers have got you covered.



Our happy clients

Not only have I used LDN Finance myself on several occasions but I also refer clients. They are always exceptionally helpful, quick to respond and go out of their way to help. An absolutely excellent business, I cannot recommend them more highly.

Ms. H

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

John and Jennifer make a great team! John was on hand to offer us all options when it came to mortgages, explained any processes that may not have been clear and was always on hand from start to finish. Jennifer kept us informed at all times, really knowledgeable when we had any queries and a joy to deal with. Thank you both!

Mr. A

June 2023

Related Case Studies