HMO Conversion Bridging Case Study - Oxfordshire
Overview
Aura Capital was mandated to provide acquisition and refurbishment funding to support the purchase, conversion, and stabilisation of an unlicensed residential property in Oxfordshire.
The borrower acquired the asset using our HMO bridging finance with the intention of converting the property into a licensed House in Multiple Occupation (HMO). At acquisition, the property was unlicensed and required refurbishment works and layout reconfiguration to meet local authority HMO standards.
Following completion of the light refurbishment works and submission of the HMO licence application, the borrower required continued short-term funding to allow sufficient time for licensing approval before exiting onto a long-term buy-to-let mortgage facility.
Aura Capital structured a flexible bridging solution that supported the full lifecycle of the project - acquisition, refurbishment, licensing regularisation, and refinance exit - enabling the borrower to maximise value and stabilise the asset prior to term debt placement.
Security & Facility Summary
Asset Semi-detached freehold
Location Oxfordshire
Value £750,000 (post-works)
Condition Fully refurbished
Product Bridging Finance (Unregulated)
Charge First Charge
Day One Net Loan Amount £380,000
Interest Fully retained
Term 12 months (3-month minimum)
Valuation No valuation required
Searches No-search indemnity utilised
Lender Private family office
Why Aura Capital
Bespoke Financing Terms - Access to lenders and private family offices not available direct to borrowers
Expert planning navigation - Funding delivered despite absence of Lawful Development Certificate at completion
Cost efficiency - No valuation required and no-search indemnity accepted
Discreet private capital - Underwritten at pace with minimal procedural friction
Investor-first structuring - Optimal liquidity release while preserving forward momentum
Aura Capital’s ability to mitigate planning risk, negotiate streamlined due diligence and execute with certainty enabled the borrower to meet their exit obligations, protect value and redeploy capital with confidence.
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