Industry: Property Development (Prime Residential)
Facility: £1.8m Buy-to-Let Mortgage
Advisory Partner: P10 Financial Group
The high-end property market has been sticky over recent years. Even beautifully finished homes are taking longer to sell - a major issue for developers holding expensive short-term finance.
At P10 Financial Group, we specialise in high-value transactions where structure, timing, and strategy make all the difference. This Buckinghamshire case was no exception.
Our client had developed three luxury homes, each valued at over £3 million. Like much of the market, they faced extended sale times once construction completed.
Two problems quickly emerged:
The compound interest on their development finance was eroding equity.
In an effort to accelerate sales, prices were being reduced - cutting into profits.
The client needed a way to relieve the pressure of high development finance costs, avoid forced price reductions, and buy time for the sales market to recover.
Working in collaboration with our in-house tax advisory team, we created a new group structure that enabled the asset to be transferred into a Special Purpose Vehicle (SPV) without incurring stamp duty.
P10 then structured and secured a £1.8 million buy-to-let mortgage with the following terms:
Loan-to-Value: 70%
Product: 2-Year Fixed Rate
Interest Rate: 3.62%
This single change transformed the client’s monthly position:
Previous finance cost: £15,000 per month
New mortgage cost: ~£5,000 per month
Monthly interest saving: £10,000+
Rental income added: further improving cash flow
The overall impact was a £19,000 positive swing in monthly cash flow.
By refinancing rather than selling, our client achieved:
£10,000+ monthly interest savings
Avoided £340,000 in stamp duty
Preserved £500,000+ in property value uplift
In total, around £900,000 of net benefit over three years — achieved through structure, not speculation.
At this level, the numbers are too significant to leave to chance. The difference between selling under pressure and banking an additional £900k isn’t luck — it’s planning. That’s what we deliver: finance that gives clients time, options, and control.
This challenge extends well beyond Buckinghamshire. Across London and the Home Counties, liquidity in the upper-tier residential market remains tight. Buyers are cautious, and holding costs are high.
For many developers, the smartest move is not to sell, but to hold, rent, and wait — provided the structure and finance are right. That’s where P10 adds value: by creating the breathing room needed to ride out the cycle and maximise returns.
