01/05/2026
This is how I felt last Friday when saving a client a good £105,000.
An experienced developer needed to refinance a £700k bridging loan against a £1.05m scheme in Cornwall.
On paper, there was time.
In reality:
Works were still ongoing.
Valuation delays emerged.
Non-UK shareholder added complexity.
👉 The real risk? Missing the deadline and triggering ~£105k (£5k per day over a good 3 weeks) in default interest.
This is where most deals fall apart.
Instead, we:
Identified red flags early and aligned them with the incoming lender.
Advised the client to start legals weeks before the formal offer.
Managed expectations with the outgoing bridging lender early on.
Drove constant communication across all parties.
Result: Refinance completed just in time. £105k saved.
The client was extraordinary in that they worked tirelessly to qualify for that all important Building Certificate, were always responsive and delivered all the paperwork with their solicitor in time.
Keystone Property Finance was exceptional in underwriting the deal and helping to make sure it completes on time.
A commercial finance specialist doesn’t just “find the best rate”.
👉 They manage risk, timing, and execution—when it matters most.
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