April 2nd, 2025

Overview

2XL Commercial Finance successfully secured a £520,000 commercial mortgage for a client operating through a trust ownership structure. The funding was raised against an existing property portfolio to acquire a neighbouring property, which will undergo light renovation before being added to the client’s rental portfolio.

This marks the second successful deal completed for this client within a year, demonstrating our ability to provide tailored financial solutions for repeat clients with evolving investment strategies.

The Challenge

Trust ownership structures often introduce additional layers of complexity when securing commercial funding. The client required a competitive lending solution to raise capital against existing assets while also facilitating a strategic property acquisition.

Our Solution

With our expertise in navigating complex lending scenarios, our MD, Darren Willoughby, led the deal by:

  • Preparing a comprehensive lending paper outlining the client’s structure and investment strategy

  • Leveraging our existing relationship with the client to expedite the process

  • Engaging with funders early to secure favourable terms despite the complex ownership model

  • Delivering a smooth and efficient completion for a time-sensitive acquisition

Client Feedback

“This was a slightly complex transaction given the trust ownership structure, but we are well-versed in looking at all types of deals. Given we had already worked with the clients, it enabled us to complete a comprehensive lending paper and submit this to the funders — and this thoroughness and attention to detail enabled us to secure a great deal for the clients.”
— Darren Willoughby, MD, 2XL Commercial Finance

“I would highly recommend Darren Willoughby at 2XL to anyone in need of a commercial mortgage, especially if your situation involves trusts or other complexities. He found us the best possible deal and also helped negotiate terms.”
— Satisfied Client

Results

  • £520,000 commercial mortgage secured

  • Enabled strategic acquisition of a neighbouring property

  • Delivered favourable lending terms despite a complex trust structure

  • Completed the second successful deal for the client within 12 months

Looking Ahead

We’re proud to continue supporting our clients as they grow their portfolios and pursue strategic acquisitions. Our ability to navigate complex lending scenarios ensures we deliver the right funding solutions, no matter how intricate the deal.