We were approached by an Overseas PLC who had recently entered the UK Real Estate Market. They needed to secure finance to support the acquisition of a c.36,000sqft single let office building, located in an established commercial-led Business Park.
There were various challenges due to the borrowers specific funding requirements as well as a complex corporate structure, which limited the pool of lenders who we could approach.
KP Finance secured and negotiated terms from a European Bank and structured a competitively priced, long term facility on their behalf.
On behalf of a private UK Investor we were instructed to refinance a residential portfolio comprising over 40 flats spread across 3 unbroken freehold buildings in London. This portfolio had a mix of studios, 1, 2 and 3 bed flats; all let on AST’s.
The investor’s requirement was to raise sufficient debt to refinance their existing loan and release a significant tranche of equity to reinvest into their portfolio.
We introduced the borrower to a UK Real Estate lender who they hadn’t previously heard of and we were able to arrange and structure a 10 year (5 year fixed), Interest Only loan with a very attractive all-in rate.
On behalf of UK Investors, we were instructed to refinance a 140-bed hotel which our clients recently developed. Due to various delays and setbacks over Covid the borrowers had a tight timeframe to repay their existing development lender, so the refinance needed to be sourced, structured and put in place quickly.
We were able to arrange a bespoke 5-year, Interest Only Facility which enabled them time to stabilise the asset and maximise the income as well as provide the flexibility needed for them to manage and run the hotel.
The fixed rate nature provided them with certainty of their ongoing finance costs at time where interest rates were starting to rise following the unprecedented low cost of funding during covid.
Acting on behalf of an existing client with a complex offshore trust structure.
We arranged a highly leveraged loan to support the acquisition and fund 100% of build costs for this development located in a popular and desirable commuter town.
The project involved the repurposing of a former department store into 27 high-end residential apartments, with 11,000sqft of commercial space on the ground floor.
Our client developed 2 purpose-built student accommodation blocks in Zones 2 & 3 comprising of a total of 146 beds.
Due to a number of unforeseen delays during the build, both schemes were late reaching Practical Completion and consequently missed the start of the academic year.
Under pressure from the development lender, we secured a 5 year loan to refinance the debt. It was structured in a way which allowed sufficient surplus income to be used towards managing and operating the site, which enabled them to fully let, stabilise and maximise the profitability of their assets.
We were instructed to raise finance against an unencumbered mixed use commercial portfolio, comprising of leisure, office, and automotive assets.
Acting on behalf of an overseas investor with a complex offshore structure, we were tasked with securing a long term, competitively priced fixed rate facility.
By targeting the most appropriate lenders at the outset, we were able to efficiently source and structure a bespoke, 7 year loan on an extremely competitive all-in fixed rate. This provided our client with a strong annual surplus cashflow, long term certainty with their interest payments and the release of capital for future acquisitions.
We were approached by experienced developers to refinance their expensive loan facility, which was secured against a recently completed Prime Central London residential scheme comprising of 5 high end luxurious apartments.
The client required a cheaper, more flexible facility to provide them time to dispose of the units and maximise the values achieved.
We structured an attractive 18-month loan that allowed them to recoup part of their initial investment as well as enabling them to retain a portion of equity from each sale.
On behalf of a private UK Investor we were instructed to refinance a large residential portfolio spread across Zone 2, 3 and 4.
This portfolio comprised of 1, 2 and 3 bed flats, let on a mix of ASTs, licenses and long leases to Housing Associations.
The investor’s requirement was to raise sufficient debt to refinance their existing loan and release equity to reinvest and grow their portfolio.
Despite the fragmented and management intensive nature of this portfolio, we were able to secure a highly leveraged, fixed rate, interest only facility to support their business plan going forward.
We were introduced to an overseas investor who had exchanged on an asset which comprised of income producing retail on the ground floor and c.60,000 sqft of vacant office space, with outline planning for c.80 residential units.
They had negotiated a discounted purchase price and were looking to raise the full acquisition cost whilst completing the transaction within an extremely tight timeframe.
We immediately targeted and engaged with a short-term lender who we knew could perform and presented this asset alongside another unencumbered property owned by the borrower.
We were able to arrange a short-term loan secured against both these assets which covered 100% of the purchase price and closed the deal within the deadline required.
We secured a highly leveraged development loan on behalf of our client who was embarking on their first project outside of London.
The property was a landmark building in a prime location within the home county of Berkshire and had planning for 3 x A3 units on the ground floor and 33 flats on the upper floors. The scheme comprised of ground up development, extensions and refurbishment.
There were a number of challenges and complexities with the site and plans, so we knew we had to work with a lender who really understood development and could be flexible and commercial in their approach.
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