Commercial & Institutional Property Finance
Mainstream UK lenders are built to underwrite an individual — an income, a credit file, a UK address. A family office, trust or overseas company presents none of these in the form their systems expect. We arrange facilities for the structure as it stands: SPVs, trusts and offshore entities, conventional and Sharia-compliant, from £1 million to £50 million.
We work to your structure — alongside your existing trustees, tax advisers and lawyers — and we never ask you to rebuild it to fit a lender.
The entities behind the acquisitions
At this level, UK property is bought by structures more often than by people. We arrange finance for the entity, in the entity's name — comfortable with layered ownership, and fluent in explaining it to a credit committee.
Family Offices
Single and multi-family offices acquiring and consolidating UK holdings through trusts and holding companies — often arriving after a mainstream decline that was structural, not a judgement on credit.
Property Companies & Operators
Overseas operators acquiring trading assets — care homes, hotels, student schemes — whose covenant and management record were built abroad. UK credit committees discount that record unless it is presented properly. Presenting it properly is the job.
Funds & Syndicates
Private funds and syndicates whose deals sit below the radar of the institutional debt desks and above the ceiling of the high street — the gap in which we work, deliberately.
Overseas Corporates
Companies incorporated abroad, buying through SPVs, with no UK banking relationships to lean on. That is not a defect in the file; it is the file — and it is the case we are built for.
Our work sits between £1 million and £50 million — large enough to demand proper structuring, below the threshold at which the large debt advisory houses engage. In that range, a cross-border entity with the right introduction borrows on very different terms from one without.
Asset classes we know at underwriting depth
The test of a broker in operational property is knowing what the lender actually underwrites. Sector figures below are the latest available market data as at July 2026, cited to source — the market's numbers, not our own.
Care Homes & Healthcare
UK healthcare real-estate investment passed £12bn in 2025 — a record year, with US capital accounting for 88.6% of volume. Yields of 6–10% and occupancy near 90% keep operators acquiring — but the lender underwrites the trade as much as the title: CQC rating, the registered manager, occupancy and fee income. We present the file accordingly.
Hotels
A hotel is a trading business as much as a property, and lenders price it as one — management agreements, brand and trading history all shape the facility. Acquisition and refinance, single London assets to small groups, including operators whose record was built abroad.
Student Accommodation (PBSA)
£4.3bn invested in 2025, up 10% year-on-year, with occupancy running at 93–99%. A structurally undersupplied sector that runs on the academic calendar — intake dates and nomination agreements shape how the debt is structured, and lenders expect a sponsor who knows it.
Build-to-Rent
A record £5.2bn of BTR investment in 2025, forecast to exceed £5.7bn in 2026 — and the Renters' Rights Act is professionalising the rental market in institutional landlords' favour. Appetite for well-run UK rental housing continues to deepen.
Offices & Mixed-Use
Selective office and mixed-use acquisitions — income-producing assets with an angle: repositioning, change of use, or a tenant story the sponsor understands better than the market does.
Development & Conversion
Ground-up development and permitted-development conversion finance for experienced sponsors — sized against LTGDV, drawn against the build programme, with the exit agreed before the first drawdown.
Portfolio & Bridging
Portfolio refinance and bridging at entity level — releasing capital from existing UK assets, or completing at speed while term finance is arranged behind it. Speed and proper structure are not opposites.
The institutional case, in the market's own figures
Figures as at July 2026, from the published research of the named firms. Market data is cited for context and is not a projection or promise of performance.
Structured, negotiated, completed
Four movements, one discipline: the structure is understood before the market is approached, so the file arrives with the credit committee's questions already answered.
Structure & documentation first
AML, source-of-funds and beneficial-ownership work is completed before any lender sees the file. Entity cases sent out half-prepared stall at credit committee weeks later; ours arrive with those questions already answered.
Routed by appetite, not habit
The specialist market is fragmented and appetite moves quarterly; knowing which lender wants which asset, structure and sponsor this quarter is the job. The expensive discovery — six weeks in, that a lender cannot look through your structure — is the one we exist to prevent.
Terms negotiated once, properly
Competing terms are brought to a single point of decision. Pricing, covenants and conditions are negotiated together, before commitment — not conceded one at a time after credit committee.
Completion and beyond
Through valuation, legals and drawdown to completion — then refinance and the next acquisition as the holding matures. The first facility is rarely the last.
- Facilities typically £1 million to £50 million
- Senior facilities commonly 60–75% LTV, depending on asset class and structure
- Terms from 12-month bridging to 20–25-year term lending
- SPV, trust and offshore-entity borrowers accepted by a defined pool of specialist and private-bank lenders
Indicative market parameters, not an offer of terms. Every mandate is assessed individually against lender criteria.
Enhanced due diligence is our ordinary work, not an obstacle.
Conventional and Sharia-compliant. Where required, mandates are arranged through Sharia-compliant structures at entity level, alongside conventional facilities — the same process, the same discipline.
Eight apartments, one building, £4.85 million released
Some details generalised to protect client confidentiality.
An entity borrower — principal based in Asia — held eight apartments in a single London building and needed substantial capital released from the portfolio: quickly, and without disturbing the underlying holdings.
The entity had no UK banking relationships. On the high street that is a structural decline, not a credit decision: no account history, an overseas principal, and a multi-unit security that standard products are not built to assess.
We prepared the file to lender standard before any lender saw it — ownership structure, source of funds, portfolio schedule — then routed it to a specialist lender whose credit team is comfortable with cross-border entities and multi-unit security. One submission, one facility: portfolio bridging across the whole building.
An offer was issued within 24 hours of submission, and £4,850,000 was released in under three weeks — from a standing start, with no UK banking history behind the borrower. The file arrived pre-answered; the credit committee had nothing left to ask.
The regulatory picture, plainly
Entity ownership of UK property carries its own tax treatment, and it should be priced into a deal from the start. Corporate purchases of residential property above £500,000 can attract a flat 17% rate of Stamp Duty Land Tax, plus the 2% non-resident surcharge — up to 19% in total. On the other side of the ledger, the Renters' Rights Act, in force since May 2026, has professionalised the rental market in ways that favour well-run institutional landlords.
We arrange finance and coordinate with your UK tax and legal advisers so the structure and the facility fit together. We do not give tax advice.
Discuss a mandate
Tell us the asset, the structure and the timetable. We will tell you, candidly, whether it can be financed — and which lenders will want to see it.
No obligation · Strict confidence