Representative scenarios

The situation first.
The structure second.

A closer look at the thinking Wentworth applies to common property-finance and route-to-market challenges.

How we think

Complex does not have to mean unclear.

The first job is to identify what must be true for the transaction to work.

These are representative, anonymised scenarios designed to explain our approach. They are not claims about a particular client, facility or completed transaction.

Victorian UK terrace undergoing refurbishment

01Bridging finance

An auction purchase with no room for lender drift

Situation: The buyer has exchanged, the completion date is fixed and the asset needs work before it can qualify for the intended term exit.
Route: Prepare valuation and legal workstreams immediately, evidence the works and refinance plan, and target bridging lenders capable of matching the deadline.

Focus · Speed with a credible exit

Completed contemporary UK apartment development

02Development exit

A completed scheme that needs time—not a forced sale

Situation: The development loan is approaching maturity while remaining units need an orderly sales period to protect price.
Route: Assess practical completion, unit sales evidence and release prices, then structure exit finance around the remaining stock and sales programme.

Focus · Maturity risk and sales control

UK residential development project under construction

03Debt advisory

Several facilities, several maturities, one real objective

Situation: A portfolio has mixed lenders, approaching expiries and uneven cashflow, making a property-by-property refinance misleading.
Route: Map the portfolio and debt together, prioritise the pressure points, then compare consolidated and asset-level strategies before approaching lenders.

Focus · Whole-position restructuring

Premium mixed-use commercial property on a British street

04Commercial finance

An owner-occupied asset where the business drives the answer

Situation: The property value supports borrowing, but the lender must also understand trading performance, affordability and the purpose of funds.
Route: Present the asset and the company as one credit case, with historic accounts, current management information and a clear repayment profile.

Focus · Property plus trading strength

Modern UK commercial investment property

05Acquisitions & disposals

A distressed asset that cannot tolerate a noisy process

Situation: The seller needs a credible buyer and a short timetable, but broad marketing could damage stakeholder confidence and execution.
Route: Agree a controlled information pack and buyer list, qualify proof of funds and intent, and keep diligence moving against a disciplined timetable.

Focus · Discretion and certainty

06Off-plan sales

A scheme requiring a phased investor launch

Situation: The developer needs early reservations without releasing the whole scheme at once or undermining later pricing.
Route: Define buyer segments, unit-release phases and the investor proposition, then coordinate distribution and feedback against construction milestones.

Focus · Pace, price and pipeline

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The situation first.The structure second.