Episode 21 - Tuesday 30th June

Auction purchases, capital raises and planning bridge finance continue to demonstrate lender agility.

This week's transactions highlight continued demand for specialist funding solutions across auction acquisitions, capital raises and planning-led development finance.

As market conditions remain competitive, lenders continue to support experienced property investors and developers with facilities that prioritise speed, flexibility and clearly defined exit strategies. Whether funding an auction purchase, unlocking capital for a new acquisition or bridging a development through planning requirements, specialist lenders continue to demonstrate their ability to structure finance around individual project needs.

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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MS Lending Group supports Stratford auction purchase with £320,000 bridging facility

Transaction Overview:

Lender: MS Lending Group
Facility: Auction Purchase & Light Refurbishment
Loan Size: £320,000

MS Lending Group completed a £320,000 first charge bridging facility at 85% of the purchase price to support the acquisition of a vacant residential property purchased at auction in Stratford, London.

The borrower, an experienced portfolio landlord with a property portfolio valued at approximately £9 million, will undertake light refurbishment works including a new kitchen, bathroom, flooring and internal redecoration. The works are expected to complete within two months before the property is let and refinanced onto a longer-term investment facility.

Having successfully completed several previous transactions with MS Lending Group, the borrower was able to move quickly with confidence in the lender's ability to deliver within the auction timescales.

Deal Team:

• Alec Lawrence, Relationship Manager, MS Lending Group.
• Tobias Williams, Underwriter, MS Lending Group.

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TAB completes £259,000 capital raise in just 12 days.

Transaction Overview:

Lender: TAB
Facility: Capital Raise Bridging Loan
Loan Size: £259,000

TAB completed a £259,000 first charge bridging facility within just 12 days to support an experienced property investor with an end-of-development capital raise.

The funding released equity from an existing asset, allowing the borrower to proceed with an onward investment opportunity without delay. Structured over a nine-month term at approximately 70% loan-to-value, the facility provided the flexibility required to meet a demanding timescale while maintaining a clear exit strategy.

Deal Team:

• Kristofer Day, Senior Business Development Manager (Scotland), TAB.
• Donna K., Managing Director, DMK Finance.
• Kuran Singh Olak, Commercial Broker, DMK Finance.

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District & County Investments delivers £2.95 million planning bridge for Liverpool regeneration scheme.

Transaction Overview:

Lender: District & County Investments
Facility: Planning Bridge Finance
Security Value: £2.95 million

District & County Investments completed a £2.95 million net bridging facility to support the continued regeneration of a brownfield development site within Liverpool city centre.

The planning bridge enables the borrower to satisfy Building Safety Regulation requirements before transitioning onto a development finance facility. Once complete, the scheme will deliver more than 150 new apartments.

Having been approached under tight timescales, District & County Investments completed the transaction just 14 days after credit approval, allowing the borrower to maintain momentum on the development.

Deal Team:

• Michael Clifford, Commercial Director, District & County Investments.

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What this week's transactions tell us about the market

This week's transactions reinforce several trends that continue to shape activity across the UK real estate finance market.

Auction finance remains a vital funding solution for experienced investors looking to move quickly on vacant or value-add assets. With competitive auction environments demanding rapid completion, specialist lenders continue to demonstrate their ability to structure facilities that combine speed with practical underwriting.

Capital raise facilities also continue to play an important role. Rather than simply refinancing existing assets, borrowers are increasingly using released equity to secure additional investment opportunities, helping them expand portfolios without relying solely on new sources of capital.

Planning bridge finance is also becoming increasingly significant as developers navigate more complex regulatory and planning requirements. Bridging facilities that provide funding while Building Safety Regulation obligations or planning conditions are discharged allow projects to continue progressing before transitioning onto longer-term development finance.

Across all three transactions, one theme remains consistent. Lenders continue to back experienced borrowers where there is a well-structured proposal, appropriate security and a clearly defined exit strategy.

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.

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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