Our real estate division serves clients in Europe, the UK and GCC countries. This broad base of investors includes mid and large scale developers to institutional asset managers, debt funds and pension companies. We ensure that our clients receive the best information, funding, and development opportunities by networking across these geographical regions. We help developers achieve their objectives in terms of financing, construction and exit, while enabling our investors to hit their return targets all within a regulated environment.

The bank arrange term loans, private placements, equity and mezzanine structures. Our merchant banking licence provides our clients with the opportunity to acquire and dispose of assets in a secure, transparent and price efficient environment.

The bank has clear due diligence processes which provide developers and investors with a high degree of confidence.

We advise on joint venture partnerships, structuring and debt & equity raises on behalf of our clients.

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Property Sectors

Explore our property sectors:


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Retirement Living

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Student Accommodation

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Automotive & Roadside Parks

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Business & Science Parks

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Retail & Leisure

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Industrial & Self Storage

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  • Developers
  • Pension funds
  • Private equity
  • Long income funds
  • Institutional debt funds
  • Insurance companies
  • Real estate asset managers

Transaction Type

Build to Rent

Build for Sale

Sale & Leaseback

Forward funding for development & land purchase

Re-finance of existing assets

Stretched senior development loans

  • Loan sizes from £10m+
  • Up to 80% Loan to Cost and 70% Loan to Value
  • Maximum 24 month term
  • Loan secured by first legal charge on the development site

Senior development loans

  • Loan sizes from £10m+
  • Up to 70% Loan to Cost and 60% Loan to Value (including rolled up interest)
  • Loan secured by first legal charge on the development site
  • Maximum 30 month term

Bridging loans

  • Loan sizes from £5m – £30m
  • Up to 75% Loan to Value
  • Loan terms of 3 – 24 months
  • Loan secured by first legal charge on the site

PRS term loans

  • Loan size: £5m – £50m plus
  • LTV up to 70%
  • Flexible term – 3 years plus
  • Interest only available

Equity & Mezzanine Finance

  • 90% of costs
  • 75% of GDV
  • 12% + PA
  • £5mil plus
  • No min equity

Re-financing of existing assets

Borrow against a number of asset classes, including: Residential, offices, hotels, retail, mixed use, student accommodation and senior living. The following information is intended as a guideline only.

Maximum LTV:

Fixed or Floating Rate:
Subject to Market

Maximum Loan Size:

Minimum Loan Size:

Maximum Term:
60 months

Minimum Term:
12 months

Interest Cover Ratio:

Interest Compounded Quarterly:

  1. Loan purpose: acquisition, refinancing, repositioning, refurbishment, development exit
  2. Geographies: England, Scotland and Wales
  3. Property Types: office, industrial, leisure, residential, retail
  4. Borrowing vehicles: UK SPVs. Non-UK SPVs subject to legal review
  5. Typical security package to include: first ranking fixed charge over the property, Debenture over the SPV, Charge on SPV shares
  6. Financial covenants: ICR, DSCR, LTV and WAULT covenants as appropriate
  7. LTVs based on Open Market Value
  8. Clear business plan and exit strategy
  9. Loans subject to credit approval, due diligence, satisfactory loan documentation and KYC