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Real Estate Debt

Our approach

We provide senior loan facilities between £2m-£50m and up to 75% LTV.

Our funding is used to acquire, refurbish, turnaround or exit real estate assets in stable or growth locations across the UK.

Being founded by a team with a background in private lending means we're all about providing a personal approach to our clients.

We only undertake a small number of transactions at any one time, allowing the team to focus and execute each facility in a timely manner.

We're building long-term relationships by consistently providing exceptional service.


Sectors

Residential

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Residential
  • High value single units
  • Multi-unit rental portfolios
  • HMOs
  • Affordable

Commercial

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Commercial
  • Offices
  • Industrial & Logistics
  • Student Accommodation
  • Hotels & Leisure

Alternative

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Alternative
  • Roadside & Automotive
  • Pubs & Inns
  • Self-Storage
  • Car Parking

Lending criteria

Senior

loans

£2,000,000 to £50,000,000

LTV: 75% (Residential) or 65% (Non-Residential) of the lower of the market value or the purchase price of the property.

LTC: Up to 90% of the total project costs.

Term: 6 - 36 months 
(interest must be serviced after 24 months).

Locations: Prime central London and across the UK, core regional cities, strong commuter towns, and key growth areas across England and Wales. Core assets in Jersey and Isle of Man are considered.

Purpose: Acquisition, refurbishment, turnaround, holding and sales periods.

Exclusions: No heavy development or planning risk.

Download Guidelines

Case studies

Development loan

£15,000,000
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Development loan
 - 
Self-storage
£15,000,000
London
  
24 months

Land loan

£7,500,000
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Land loan
 - 
Warehousing and self-storage
£7,500,000
Southeast England
  
18

Acquisition loan

£4,000,000
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Acquisition loan
 - 
Office to Co-living
£4,000,000
Reading
  
12 months

Refinance loan

£2,300,000
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Refinance loan
 - 
Prime counties residential
£2,300,000
Hertfordshire
  
12 months

Refinance loan

£11,000,000
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Refinance loan
 - 
Prime London Residential
£11,000,000
Holland Park
  
9 months

Joint Venture

£7,200,000
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Joint Venture
 - 
Office Development
£7,200,000
Exeter
  
36 months

Refurbishment loan

£3,250,000
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Refurbishment loan
 - 
Prime London Residential
£3,250,000
London
  
18 months

Joint Venture

£6,000,000
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Joint Venture
 - 
Industrial to Residential
£6,000,000
Digbeth, Birmingham
  
36 months

Stabilisation loan

£12,000,000
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Stabilisation loan
 - 
Portfolio of Public Houses & Rooms
£12,000,000
Home Counties
  
36 months

Holding loan

£22,000,000
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Holding loan
 - 
Prime Residential Estate
£22,000,000
Home Counties
  
24 months

Funding