Top Tuesday Transactions

Episode 33 - Tuesday 28th September

Structured finance, revolving credit and larger-ticket bridging highlight continued lender flexibility

This week's transactions highlight continued activity across structured finance, revolving credit and larger-ticket bridging, with specialist lenders supporting borrowers through facilities designed around wider business plans, future opportunities and clearly defined exit strategies.

From Ortus Secured Finance structuring a £14.4m refinance around the ongoing asset management of a substantial industrial and logistics property, to Morpheus Lending providing flexible capital for refurbishment works and future acquisitions, and MS Lending Group completing a £4m business-purpose bridge within six days of receiving the valuation, each transaction demonstrates the importance of understanding the borrower's wider financial position and objectives.

Below are three of the standout transactions from this week's market activity, followed by Owen Nayar's commentary on the key trends emerging across the real estate lending market.

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Ortus Secured Finance completes £14.4m structured finance facility on North West industrial and logistics asset

Transaction Overview:

Lender: Ortus Secured Finance
Facility: Structured Finance Facility
Loan Size: £14.4m
Asset: Industrial & Logistics
Location: North West

Ortus Secured Finance completed a £14.4m structured finance facility secured against a substantial industrial and logistics asset in the North West.

The facility refinanced the borrower's existing debt while providing the flexibility required to continue its asset management strategy, progress lease discussions with the existing occupier and pursue multiple potential repayment and exit routes.

The borrower required a refinancing solution capable of supporting the ongoing management of a substantial income-producing asset. Rather than relying on one predetermined repayment strategy, the facility needed to accommodate an evolving business plan and provide sufficient flexibility as the borrower progressed its plans for the property.

Ortus took a detailed view of the asset, the borrower's wider business plan and the different routes available to maximise its long-term value. Working alongside Brotherton Real Estate, the lender structured a bespoke facility that provided certainty of execution while preserving flexibility around lease discussions, asset management and changing market conditions.

The transaction demonstrates the role structured finance can play where larger commercial assets require a funding solution capable of adapting alongside the borrower's wider strategy.

Deal Team:

Jamie Russell, Commercial Director, Ortus Secured Finance
Tanya Wolfe, Managing Director, Brotherton Real Estate.
Ben Tolhurst, Asset Management Director, Clearbell Capital.

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Morpheus Lending completes £247,500 revolving credit facility for experienced portfolio landlords

Transaction Overview:

Lender: Morpheus Lending
Facility: Revolving Credit Facility
Gross Loan: £247,500
Day-One Drawdown: £175,000
Security: Two Buy-to-Let Properties

Morpheus Lending completed a £247,500 gross revolving credit facility, with £175,000 drawn on day one.

The borrowers are experienced tradespeople and portfolio landlords with an established track record across property investment and refurbishment. The facility was secured against two buy-to-let properties and will initially support refurbishment works on a recently acquired property.

Beyond the immediate refurbishment requirement, the revolving structure also provides the borrowers with access to funding for future auction purchases as suitable opportunities arise.

Rather than arranging a separate facility for each acquisition, the borrowers can draw against the facility when additional capital is required, providing greater flexibility to respond quickly to opportunities within the market.

The transaction demonstrates how revolving credit facilities can support experienced property investors whose requirements extend beyond a single transaction, providing capital for both existing projects and future acquisitions within one flexible structure.

Deal Team:

MS Lending Group completes £4m business-purpose bridging facility

Transaction Overview:

Lender: MS Lending Group
Facility: Business-Purpose Bridging Facility
Loan Size: £4m
Completion: Six Days Following Receipt of Property Valuation

MS Lending Group completed a £4m bridging facility for an experienced borrower pursuing a business opportunity, with funding delivered just six days after receipt of the property valuation.

Introduced by an existing broker partner, the borrower had a strong wider financial position, including a property portfolio valued at close to £20m, relatively low overall debt levels and a business holding millions in cash reserves.

The facility was required to support a business-purpose transaction, with MS Lending Group taking comfort from the borrower's experience, liquidity position, wider property portfolio and clear strategy for the deployment of the funds.

The strength of the overall borrower profile allowed the lender to assess the transaction within the context of the client's broader financial position rather than considering the immediate funding requirement in isolation.

With the property valuation received, MS Lending Group was able to work through the remaining requirements and complete the £4m facility within six days, providing the certainty required for the borrower to progress the wider business opportunity.

The transaction demonstrates how larger-ticket bridging facilities can be delivered quickly where the borrower has strong liquidity, substantial wider assets and a clearly defined strategy for both the funding and eventual repayment.

Deal Team:

What this week's transactions tell us about the market

This week's transactions highlight continued activity across structured finance, revolving credit and larger-ticket bridging, with specialist lenders supporting borrowers through flexible facilities shaped around wider business plans, future opportunities and clear exit strategies.

Structured finance can be particularly valuable where borrowers need funding that accommodates an evolving asset management strategy. Rather than relying on a single predetermined repayment route, facilities that allow for multiple credible exits can give sponsors greater flexibility to respond to changing market conditions, progress lease discussions and pursue the route that best supports long-term value.

Revolving credit facilities are also providing experienced property investors with more flexible access to capital. For landlords balancing refurbishment projects with future acquisitions, the ability to draw funds as required can help them move quickly when opportunities arise without having to arrange a new facility for every transaction.

Speed remains another key differentiator within the bridging market, particularly on larger-ticket cases. Where borrowers can demonstrate strong liquidity, a substantial wider asset base and a clear strategy for the funds, lenders that are able to assess the full financial position quickly can provide the certainty required to progress time-sensitive business opportunities.

Across this week's transactions, the recurring theme is the importance of structuring finance around the borrower's wider position rather than focusing solely on the immediate transaction. Flexible facilities, strong borrower profiles and efficient underwriting continue to allow specialist lenders to support both short-term requirements and longer-term investment strategies.

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Why these Transactions Matter

Tuesday's Top Transactions showcases some of the most notable deals completed across the UK real estate finance market each week.

By highlighting completed transactions across bridging finance, development finance, commercial real estate lending and specialist funding solutions, the series provides brokers, lenders, developers and property professionals with valuable insight into current lending activity and evolving market trends.

More than simply reporting completed deals, each episode offers a snapshot of where lender appetite exists and how facilities are being structured to support increasingly complex borrowing requirements.

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Have a Transaction Worth Sharing?

If you've completed a notable real estate finance transaction and would like it featured in a future edition of Tuesday's Top Transactions, we'd love to hear from you.

Sharing successful deals helps showcase innovation across the market while providing valuable insight for brokers, lenders and property professionals following the latest lending activity.

To submit a transaction for a future episode, contact Owen here:

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