Real Estate Clients

 

 

We specialise in sourcing finance for commercial property investors/companies, house builders, portfolio landlords and corporate companies.

Our team of ex-lenders immerse themselves in the information, listen and acquire a detailed understanding of your requirements. We then tailor our focus to the most suitable lenders. We will always look to source the best rate, scrutinising the overall fees/costs and timescales, all the while keeping your goals and interests at heart.

 

 

Business Mortgages  

Our corporate finance team have worked with clients producing turnovers ranging from £1,000,000 to over £150,000,000. We know that the corporate finance process takes time and can be a costly exercise. We use our unique inside knowledge of the lending space to put together a range of options, fully understanding the costs, timescales and security required as opposed to simply outlining a rate that sounds attractive.

We will model your debt businesses that have different monthly cycles to look at how you will perform against covenants and where the lenders need to build in flexibility. Our team then looks at the best options throughout the capital stack and the security that lenders will require for each type of facility. 

Typical Lending Requirements: Capital raising, refinancing, purchasing a property to name a few.

Real Estate Finance  

Our corporate finance team have worked on facilities ranging from £1,000,000 to over £50,000,000 as ex-real estate finance directors. Our clients range from private investors, private and listed real estate companies together with institutional clients (Housing Associations, Charities and Councils). 

For investment portfolios we will model your debt requirements based on how lenders will look at your portfolio and how this will perform over the term of a loan on both a best through to worst case scenario. 

Typical Lending Requirements: Retail units, retail parades, shopping centres, retail parks, mixed portfolio finance, short leases (tenants), short leaseholds, serviced offices, semi-commercial property finance, industrial units, warehouses, revolving credit facilities, PRS schemes, residential investment finance, large loans for single residential investment units, large loans for single investment units let to one tenant, leisure (hotels, golf courses, casino’s etc) short term finance, adverse credit clients in receivership.  

Development Finance 

Our directors have extensive experience in putting development facilities and revolving credit facilities together ranging from £1,000,000 to £150,000,000 with our client base stretching from private housebuilders, publicly listed companies through to institutional clients (housing associations and councils). 

On each facility we will model your development finance requirements to look at how lenders will view the initial loan to value, loan to cost and loan to gross development value. This process applies even to land loans where planning is being applied for to ensure we obtain the development finance once planning is in place, together with looking at the exit finance for investment facilities on a completed development.

Typical Lending Requirements: Senior debt, stretch senior, mezzanine finance, land loans, club deals, debt re-structuring, breach of covenants, refinance of facilities, office conversions, permitted development schemes, build-to-rent, student accommodation, retirement schemes, commercial development, low rates, 100% of costs, 75% gross development value and overseas companies.

Short Term Finance 

Short term finance has become a mainstream solution in the market place with increasing competition amongst lenders continually compressing market rates. Our team have built multi-million-pound short term providers and headed up their credit teams with some of the largest facilities provided in the market place; an area we know inside out.

We can source finance on residential through to commercial property at highly competitive rates with strong levels of gearing for both UK clients and international borrowers alike.

Typical Lending Requirements: Quick completion, developer exit (take out of development finance to enable sale/unit sales), purchase under value (discounted purchase prices), re-structuring and extended short tenant lease/leases before refinance, low rate facilities, geared facilities up to 85% LTV.