Short Term Finance
We broker leveraged development finance both on projects in the UK and overseas. The debt facilities are greater than 80% of total cost with an optimum debt of 100%. We will take into consideration planning risks and always review areas to mitigate risk. Typically, the debt is greater than 5 million with no upper limit.
Firstly, we work towards a presentation of our client’s circumstances, prepare cash flow models for the individual projects, CV’s, asset and liability summary etc. thus ensuring the necessary attention to detail when presenting to a lender. We will then negotiate all aspects of the financing from the pricing, ratio of debt and associated professional costs, namely legal and surveyor. We work closely with the lender to negotiate their credit information and at the same time monitor the valuation and legal process.
Medium or Long Term Investment
Financing the acquisition of real estate for the purpose of long-term investment play. Restructuring existing debt to release capital for further investment, additionally to improve portfolio cash flow in short-term preparation of a sale. Often the property is held within a real estate portfolio. The rationale being typically to achieve long-term growth, however there have been instances in certain geographical regions for optimising on high rental yields. The considerations are often to gear the debt to the maximum that the rental income will allow. We therefore will review closely the income and expenditure, tenure of rental agreement, long-term maintenance considerations and areas to increase rental income. The terms of the financing will be individually negotiated.