Selected Transactions.
A curated portfolio of mandates demonstrating our ability to structure finance, navigate complexity, and deliver certainty.
Integrated Development & Term Funding
70-Bed Apart Hotel | East London
The Challenge: An experienced residential developer undertaking their first hospitality scheme required an urgent exit from an existing bridge loan and fund the development cost. A standard development facility would have triggered duplicate costs when refinancing into a term loan.
The Solution: We structured a hybrid facility that combined development funding with a long-term investment loan from a single lender. This 5-year facility removed the need for a costly refinance at practical completion, saving the client significant capital in arrangement fees, exit costs, and legal charges.
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Strategic Restructuring & Growth
£20M West London Portfolio | Residential
The Challenge: A private client required a comprehensive restructure of a high-value residential portfolio to optimize tax efficiency and reduce borrowing costs. The transaction involved complex ownership changes that needed to align perfectly with the financing timeline.
The Solution: Working in tandem with the client’s legal and tax advisors, we arranged a £20 million facility that facilitated a seamless ownership transfer. The structure not only lowered the cost of capital but also included built-in flexibility to access further credit for future acquisitions.
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Global Client Solutions
£18.2M Private Bank Facility | West London
The Challenge: A West London residential portfolio, jointly owned by South Asian and GCC-based shareholders, required refinancing. The transaction faced significant hurdles due to the complex multi-jurisdictional shareholding structure and the owners’ non-resident status. Crucially, the clients sought a private banking facility but were unwilling to adhere to standard Assets Under Management (AUM) requirements.
The Solution: We negotiated a bespoke facility that fully waived the lender’s AUM requirement. By focusing the underwriting on the asset quality and the borrower group’s global standing, we secured a long-term loan that preserved the clients’ liquidity while overcoming the structural barriers of non-residency.
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Complex Offshore Bridging
8.9M Private Estate Facility | South East
The Challenge: A high-net-worth foreign national residing offshore required a time-critical refinance and equity release against a substantial 500-acre private estate. The transaction was complicated by an intricate ownership structure domiciled in a jurisdiction that typically precludes mainstream lending.
The Solution: Leveraging our understanding of specialist underwriting, we structured a bespoke facility that navigated the jurisdictional compliance issues. We delivered the £8.9 million funding on a strict schedule, releasing the necessary capital for a time-sensitive investment without disrupting the client’s wider portfolio.
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Strategic Incorporation & Demerger
£20.5M Mixed-Use Portfolio Restructure
The Challenge: A high-profile family required funding to execute a complex portfolio incorporation and subsequent demerger. Accustomed to the rigid requirements and low loan-to-value limits of their current bank, the client assumed they were required to secure their entire £74 million portfolio against the new facility, locking up substantial equity unnecessarily.
The Solution: While arranging the funding to facilitate the demerger, we identified a significant opportunity to optimise their position. We advised a strategy that ringfenced only the assets strictly needed to service the debt (approx. 60–65% of value). This left a large portion of the portfolio unencumbered, immediately releasing equity for future investments without lender restriction.
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Development Exit, Delivered with Precision
Strategic Exit & Profit Preservation
The Challenge: A developer with a completed West London scheme required an urgent exit from their construction loan. Facing a looming maturity deadline, the client risked a forced “fire-sale” of units to repay the debt—a scenario that would have severely eroded their development profit. The transaction was further complicated by an intricate offshore ownership structure with overseas beneficiaries, which many lenders declined to underwrite.
The Solution: We structured a flexible exit facility that cleared the construction debt and released equity immediately. Crucially, this provided a stable sales runway, allowing the client to market the units at full value rather than distressed prices. The facility was specifically tailored to accommodate the offshore entity, ensuring a compliant and seamless completion.
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Corporate Expansion & Consolidation
£18M Healthcare Refinance & Acquisition
The Challenge: A well-established care home group sought to refinance their existing debt, as their incumbent lender’s pricing and appetite no longer matched their growth trajectory. Simultaneously, the group identified a strategic opportunity to acquire two additional homes—requiring a solution that would not only improve their margins but also release significant equity to fund the purchase.
The Solution: We structured a streamlined £18 million facility that replaced the restrictive incumbent lender with a more competitive partner. This single transaction achieved a dual outcome: it significantly lowered their cost of funds and immediately released the necessary equity to execute the acquisitions, supporting their expansion without the friction of multiple loans.
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Private Banking Rates Without AUM
£11.9M Mayfair Refinance
The Challenge: A GCC-based foreign national required a refinance and equity release on a high-value, low-yield asset in Mayfair. The client sought private banking interest rates but strictly opposed placing Assets Under Management (AUM)—a standard pre-requisite for most lenders in this tier.
The Solution: Leveraging our deep relationships within the private banking space, we negotiated a bespoke facility that fully waived the AUM requirement. We secured a long-term, interest-only loan based solely on the asset’s prime quality and the borrower’s global profile, preserving the client’s liquid capital for other investments.
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LLP to Ltd Co Incorporation
£7.9M Social Housing Portfolio | North West London
The Challenge: A client owning a substantial portfolio of HMOs let to social housing tenants required a refinance to facilitate a transfer from an LLP to a limited company structure. The transaction faced multiple challenges: the legal scrutiny of the partnership incorporation and the specific requirements associated with social housing assets limited the pool of willing lenders. Crucially, the client needed to navigate these hurdles while simultaneously reducing their cost of borrowing and securing an equity release.
The Solution: We engineered a bespoke two-lender solution and coordinated a simultaneous same-day completion across both facilities. This precise execution successfully managed the intricate ownership transfer and achieved all commercial objectives, significantly lowering the cost of funds and releasing equity to support portfolio growth.
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Post-Covid Hospitality Resilience
£24.1M Hospitality Refinance | Prime Central London
The Challenge: The owners of a prime London hotel faced a critical loan maturity in a volatile post-pandemic market. With trading figures temporarily impacted, the wider lending market had retreated, offering only expensive short-term bridging options to exit the previous facility.
The Solution: We advised against the bridging route and instead created competitive tension. We presented two distinct long-term pathways: a commercially attractive facility with a leading investment bank (requiring a long-term AUM commitment) and a flexible “dry lend” option with a challenger bank. This strategic optionality allowed the client to bypass the bridge entirely and secure a 5-year commercial mortgage that best matched their operational preference.
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Unlocking Value. Mitigating Risk.
Comprehensive advisory for your capital requirements and insurance needs.
Asset-Focused Liquidity
£6.8M Commercial Bridge | South London
The Challenge: A privacy-conscious client owning a high-value, vacant commercial property in South London required immediate liquidity. The transaction was rejected by traditional lenders due to a compound risk profile: the asset generated no rental income to service the debt, and the client’s strict confidentiality requirements and offshore structure prevented standard income verification.
The Solution: We bypassed the income constraints by structuring a bespoke “non-serviced” facility. By negotiating for interest to be fully rolled up rather than paid monthly, we eliminated the need for income evidence. This solution relied purely on the strength of the asset, successfully navigating the complex offshore ownership while strictly preserving the client’s anonymity.
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Bridge-to-Development Strategy
£8.45M Commercial Bridge | East London
The Challenge: A developer required a complex funding solution for a vacant commercial site in East London. The objectives were threefold: refinance the existing debt, release equity for a separate acquisition, and secure time to enhance the site’s planning permission. The asset’s vacant status (zero income) combined with the request for significant cash-out made this a difficult placement for standard lenders.
The Solution: We delivered a tailored bridging facility that met all immediate liquidity needs, effectively “buying time” for the planning uplift. Crucially, our involvement didn’t end there: upon securing the enhanced planning, we successfully refinanced the bridge into a full development facility, supporting the project through its entire transformation.
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Portfolio Consolidation & Exit Strategy
£6.8M Multi-Asset Facility | South London & Surrey
The Challenge: A developer holding two distinct assets—a site with planning permission in South London and a completed scheme in Surrey required a consolidated funding solution. The client needed to exit existing lenders and release equity, but faced a complex repayment profile: one asset required a “bridge-to-sell” strategy for the land, while the other required a development exit to sell down remaining stock.
The Solution: We structured a flexible £6.8 million facility secured across both sites to accommodate the staggered exit timelines. By engineering an 18-month term with fully rolled-up interest, we eliminated monthly service costs, giving the client control over the sales pace. Crucially, this structure allowed for immediate equity extraction to settle prior commitments while protecting the client’s long-term investment elements.
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Cost Efficiency & On-Demand Liquidity
£4.7M Investment Facility | Berkshire
The Challenge: An investor owning a substantial multi-unit block in Berkshire sought to refinance existing debt while establishing a capital reserve for future acquisitions. The client faced a dilemma: taking a full equity release on day one would incur significant interest costs on unutilized cash (negative carry), yet they needed immediate access to funds when new opportunities arose.
The Solution: We structured a sophisticated hybrid facility that combined a low-cost term loan with a flexible, on-demand drawdown line. This “credit-line” structure ensured the client had guaranteed liquidity to deploy instantly for new investments, while ensuring they only paid interest on the funds actually utilized—maximizing financial efficiency.
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Construction Procurement & Growth
£3.1M Ground-Up Development | First-Time Developer
The Challenge: A property professional with a strong track record in refurbishments sought to step up to their first ground-up scheme: the construction of eight new-build houses in Greater London. The transaction faced significant resistance from lenders due to two compounding risks: the client’s “first-time” status for ground-up works and their decision to self-manage the build (overseeing subcontractors directly) rather than appointing a main contractor, which removed the security of a fixed-price contract.
The Solution: We conducted a targeted tender process to identify lenders comfortable with construction management procurement. By presenting a detailed analysis of the client’s refurbishment history and cost controls, we secured a £3.1 million development facility that backed the client’s in-house capabilities enabling them to maximize profit by avoiding main contractor margins.
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Portfolio Optimisation & Growth Capital
£11M Semi-Commercial Portfolio | East London
The Challenge: A veteran investor holding a robust portfolio of four semi-commercial assets sought to restructure their debt. While the portfolio was performing well, the client’s capital was “trapped” in legacy arrangements. The brief was two-fold and conflicting: significantly reduce the overall cost of borrowing while simultaneously maximizing leverage to release equity for immediate reinvestment.
The Solution: We engineered a £7.28 million facility that transformed the portfolio’s financial efficiency. By negotiating aggressive terms across the £11 million aggregate value, we successfully lowered the monthly interest burden while extracting substantial liquidity. This “textbook” refinance was designed with a strategic edge—arming the client with a ready-to-deploy cash war chest for their next acquisition.
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Structured Equity Release & Acquisition
£2.38M Development Site Acquisition | West London
The Challenge: A developer had exchanged contracts on a site in Heston with planning for six homes but faced a funding shortfall to complete the purchase. To bridge the gap, the client needed to unlock surplus equity held in two other properties. However, a standard facility was impossible because these assets were held under separate ownership structures within the wider family, creating a web of legal complexity regarding title and liability.
The Solution: We engineered a bespoke bridging facility cross-collateralised across all three assets. This required precise legal orchestration to satisfy the requirements of multiple ownership entities simultaneously. The structure secured the time-critical acquisition and defined a clear, bifurcated exit strategy: refinancing the investment properties onto long-term Buy-to-Let terms while seamlessly transitioning the site into a ground-up development loan.
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Urgent Acquisition Rescue & Asset Protection
£3.8M Place of Worship Acquisition | West London
The Challenge: A well-established charity faced a critical funding crisis when their original lender withdrew just days before completion on a significant Place of Worship in West London. The transaction was perilously close to collapse, threatening not only the loss of the asset and months of planning but also posing a severe reputational risk to the charity within its community.
The Solution: We mobilized immediately to structure a £3.8 million emergency bridging facility under intense time pressure. By strategically leveraging unencumbered assets in the charity’s existing portfolio, we bypassed standard delays and secured funding within days. Crucially, our role extended beyond the rescue: within three months, we successfully refinanced the bridge onto a sustainable long-term loan, restoring full financial stability to the project.
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Bridging Beyond Purchase Price
£4M Semi-Commercial Acquisition | East London
The Challenge: An investor exchanged contracts on a semi-commercial asset in East London at £4.775 million. During the completion window, the client aggressively managed the asset, re-letting all units at higher market rates to drive the value up to £5.75 million. However, standard lending policy restricts loans to the purchase price (the “Lower of Cost or Value” rule), ignoring purely paper-based value uplifts.
The Solution: We successfully broke the standard lending covenant. By presenting compelling evidence of the enhanced yield and tenancy profile, we persuaded the lender to advance funds against the new £5.75 million Open Market Value rather than the contract price. This secured significantly higher day-one leverage and enabled a rapid refinance onto a long-term commercial mortgage within just 90 days.
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Smart Liquidity & Succession Planning
£4M Portfolio Incorporation & Credit Line | West London
The Challenge: An elderly husband-and-wife team sought to incorporate their £8.5 million mixed-use portfolio, moving from a legacy partnership to a tax-efficient corporate structure. The clients required significant liquidity for future acquisitions but were averse to the “negative carry” costs associated with holding uninvested cash in a high-interest environment.
The Solution: We structured a sophisticated hybrid facility: a core £4 million term loan to facilitate the incorporation, coupled with a £1 million “on-demand” overdraft line. This ensured capital was instantly available for new deals without incurring interest costs while idle. The structure successfully delivered the tax-efficient transfer while securing a flexible foundation for both portfolio growth and future family succession.
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