Investment
Finance

Property investment finance is suitable for clients looking to purchase or refinance commercial or residential property for long-term rental yield and capital gain.

These can be single assets or portfolios and lending is generally up to 75% loan-to-value, but each specific case will depend upon the property type, property location and tenancy type. There are a wide range of lenders that operate in this sector and we will match your requirements on pricing, gearing, repayment type and loan term.

Case study

Residential
investment

Our client had developed two, high-end houses that were to be retained as long-term investments. They were placed on the market and attracted two tenants that were ready to pay a deposit and sign tenancy agreements.

Funding requirement: the client wanted to maximise the leverage on the properties to allow for further purchases into their portfolio. However, each house was valued at £4,000,000 and they were both on the same legal title, so even with good ASTs the properties were not straightforward ones to place when the client was looking for high gearing.

Facility provided: while the ASTs were strong, the yield was still low given the nature of the properties, therefore a standard high street product was not an option. We found a solution that allowed 75% leverage by using a combination of a fixed rate for 5 years, giving the client peace of mind over the monthly repayments, and ‘top slicing’ from the client’s other income.

Case study

Residential
investment

Our client had developed two, high-end houses that were to be retained as long-term investments. They were placed on the market and attracted two tenants that were ready to pay a deposit and sign tenancy agreements.

Funding requirement: the client wanted to maximise the leverage on the properties to allow for further purchases into their portfolio. However, each house was valued at £4,000,000 and they were both on the same legal title, so even with good ASTs the properties were not straightforward ones to place when the client was looking for high gearing.

Facility provided: while the ASTs were strong, the yield was still low given the nature of the properties, therefore a standard high street product was not an option. We found a solution that allowed 75% leverage by using a combination of a fixed rate for 5 years, giving the client peace of mind over the monthly repayments, and ‘top slicing’ from the client’s other income.

Case study

PORTFOLIO

The client in this case had an existing portfolio of 23 residential properties worth around £8m, but each was mortgaged to a separate buy-to-let lender.

Funding requirement: the client wanted to simplify their financing arrangements by having one lender across the whole portfolio plus they wanted to capital raise to allow them to purchase further investment properties.

Facility provided: we were able to offer a range of possible solutions from 60% LTV up to 75% LTV, but the client decided that a 65% facility was the best mix of gearing and pricing as we were able to secure this at a rate of circa 3% and with a 1% lender fee.

Development Finance

Investment Finance

Short Term Finance

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