United Trust Bank has completed a £5.2m regulated bridging loan to refinance a newly built £12.75m country estate in the Home Counties.

The facility, introduced by Paul Atkinson, founder of Forecast Finance, allowed the borrower to refinance an existing development loan and clear unsecured debt used to complete the property’s high-end interiors.

The 12-month loan gives the owner time to market the 10,000 sq ft home, set in 12 acres of grounds, with the aim of securing the best possible sale price.

While regulated bridging is more often associated with chain breaks, downsizing or auction purchases, the deal underlines the bank’s willingness to support a wider range of borrower needs, including complex, high-value transactions.

The loan was structured at 52% loan-to-value and arranged by UTB bridging business development manager Gemma Roberts. Working alongside Atkinson, Roberts set up an early call with the borrower to understand their position, with bridging underwriter Louise O’Calaghan leading the due diligence and tailoring the structure to fit the client’s plans.

Atkinson said: “Right from the start, working with Gemma and Louisa was a real pleasure. Although there were a few hurdles along the way, UTB’s flexible and commercial approach helped keep everything on track and ensured a smooth process.

“This successful outcome is a great example of how Forecast Finance supports clients with the expertise needed to navigate even the most complex transactions.”

Roberts added: “This was a great case to work on and it was a pleasure to work with Paul in delivering a great solution for his client.

“This deal is an excellent example of the breadth of opportunities where regulated bridging can provide the right solution.

“By taking the time to fully understand the borrower’s circumstances and future plans and working closely with Paul and Louise we were able to deliver a substantial facility that gave the client certainty and time to maximise the value of their exceptional property.”