The Property Podcast ASK491: How can I raise these funds? PLUS: Help, my freeholder is bankrupt!
Aug 26, 2025
This week, the hosts tackle some intriguing listener queries. One listener needs innovative ideas to secure an extra £50,000 for his third HMO property. They explore effective financing strategies like refinancing and networking to attract investors. Another listener wrestles with the complexities of acquiring a freehold after purchasing repossessed leasehold flats, emphasizing the importance of consulting experts and understanding insurance needs. Tune in for valuable insights on navigating the world of property investment!
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Episode notes
Raise Cash By Refinancing Or Releasing Equity
- Do consider waiting until your current HMO is refinanced to access more lender options and release equity after 12–24 months.
- Do explore releasing equity from your owner-occupied home or existing portfolio if comfortable with the numbers and risks.
Experience Unlocks Better HMO Lending
- Lenders widen options once you become an "experienced" landlord after holding a property for a period.
- That status shift often improves available HMO mortgage products and pricing.
Use Bridging Loans Only With A Clear Exit Plan
- Try bridging finance as a short-term way to complete a deal when you lack mortgageable experience or time.
- Avoid relying on bridge loans unless your numbers and exit plan are rock-solid because they are costly.