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Real Estate Debt

Our approach

We provide senior debt facilities between £1m-£100m, up to 75% LTV and secured against high quality residential, commercial and alternative assets.

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

In addition, we will always only undertake a small number of transactions at any one time, allowing the team to focus and execute each financing in a timely manner.

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


Sectors

Lending across three core real estate sectors

Our loans are utilised for projects in the residential, commercial and alternative real estate sectors such as self storage and parking.

This tight sector focus ensures the team maintain a deep understanding of these specialist markets and allows us to underwrite complex financings at speed.

Residential

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Residential
  • Prime single high value dwellings
  • Multi-unit rental portfolios
  • HMOs
  • Retirement Living

Commercial

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Commercial
  • Offices
  • Multi-let high yielding Industrial
  • Student Accommodation
  • Hotels

Alternative

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Alternative
  • Roadside & Automotive
  • Pubs & Inns
  • Self Storage

Lending criteria

Senior

loans

£1,000,000 to £100,000,000

LTV: 75% (Residential) or 65% (Commercial) 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, repositioning, holding and sales periods

Exclusions: No heavy development or planning risk

Download Guidelines

Case studies

Senior loan

£3,000,000
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Senior loan
 - 
Prime residential
£3,000,000
Reading
  
12 months

Senior Loan

£11,000,000
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Senior Loan
 - 
Prime Residential
£11,000,000
Holland Park
  
9 months

Senior loan

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

Senior loan

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

Senior loan

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

Senior loan

£12,000,000
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Senior loan
 - 
Portfolio of Public Houses
£12,000,000
Home Counties
  
36 months

Mezzanine loan

£2,200,000
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Mezzanine loan
 - 
Retail to Residential
£2,200,000
Staines
  
18 months

Joint Venture

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

Joint venture equity

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

Funding