Deal Overview:

• Loan Amount: £2.5 million

• Facility Structure: £2 million interest-only, 10-year term, fixed for 5 years

• Asset Type: 75 refurbished student bedrooms in London

Our client required refinancing for a portfolio of 75 high-quality student accommodation units in London, previously mortgaged with us. The properties had undergone significant refurbishment, enhancing their value and appeal in the competitive student housing market.

To support the client’s refinancing needs, we facilitated a £2.5 million loan, including a £2 million interest-only commercial investment facility with a fixed rate for the first five years of a 10-year term.

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Strategic Lending Partnership: Understanding the potential stress such a transaction can place on borrowers, we referred the case to a lender with a dedicated High Net Worth Team and an internal Transactional Credit Committee (TCC). This structure allowed for rapid assessment of any additional requirements and gave the client confidence in the lender’s support.

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Efficiency & Cost Savings: A key advantage of this partnership was the lender’s policy of securing TCC approval prior to instructing valuations. This ensured that clients only incurred valuation costs if the lender could proceed with the case—saving them substantial amounts and streamlining the process.

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Collaborative Execution: By working closely with the lender, the client, and their solicitors, our team ensured a smooth and timely completion of the refinance deal.