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Buying property below market value sounds simple until you try to fund it and every lender insists the “value” is whatever you paid. We sit down with property finance expert and active investor Rob Peters to unpack the real-world funding moves that let you secure BMV deals without automatically chasing joint ventures or handing the opportunity to cash buyers.

We walk through a specialist straight-to-mortgage approach that can reduce the deposit to around 10% when the discount is genuine, plus the key trade-off: higher rates and fees that can still be worth it if your goal is to acquire assets quickly and stack equity in your portfolio. Rob explains what lenders need to see, why the backstory matters (auction, retiring landlord, fast sale), and how to sanity-check the “at least 25% below open market value” rule before you get emotionally attached to a deal.

Then we get nerdy in the best way: valuation strategy. Rob breaks down why HMOs can be valued commercially based on rental income, why MUFBs can be valued using aggregate value instead of block yield, and what criteria make those valuations believable to surveyors and lenders. Finally, we cover day one remortgage and bridging loan setups designed to break the purchase chain so you can pull equity out fast and keep investing with momentum.

If you’re serious about UK property investing, creative finance, bridging loans, buy to let mortgages, HMO finance, and MUFB funding, you’ll want notes for this one. Subscribe, share this with a property investor friend, and leave a review with the finance question you want us to tackle next.

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