Episode 22 - Tuesday 7th July

Purchase and refurbishment, bridging refinance and commercial term finance demonstrate continued lender flexibility.

This week's transactions highlight continued demand for specialist funding solutions across purchase and refurbishment projects, bridging refinances and commercial investment finance.

As borrowers continue to navigate time-sensitive transactions and evolving investment strategies, specialist lenders remain focused on delivering facilities that balance speed, flexibility and well-defined exit strategies. Whether supporting the acquisition and refurbishment of a residential property, refinancing an investment asset or providing long-term finance to retain a completed mixed-use development, lenders continue to demonstrate their ability to structure finance around individual borrower requirements.

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 Nottingham purchase with £102,000 refurbishment facility

Transaction Overview:

Lender: MS Lending Group
Facility: Purchase & Light Refurbishment
Loan Size: £102,000

MS Lending Group completed a £102,000 first charge facility at 85% loan-to-value to support the purchase and refurbishment of a three-bedroom residential property in Nottingham.

The transaction progressed from application on 16 June to completion on 3 July, with funding enabling the borrowers to acquire the property and undertake a programme of refurbishment before letting the asset and refinancing onto a longer-term investment facility. Although the property was already in serviceable condition, the planned improvements are expected to enhance both its quality and projected end value.

Deal Team:

• Tom Herbert, Relationship Manager, MS Lending Group.
• Amy Wilkie, Underwriter, MS Lending Group.

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TAB completes £1.4 million bridging refinance for Newbury investment property

Transaction Overview:

Lender: TAB
Facility: Bridging Refinance
Loan Size: £1.4 million

TAB completed a £1.4 million first charge bridging refinance secured against a residential investment property in Newbury, Berkshire.

Structured over a 12-month term at 70% loan-to-value, the facility enabled the borrower to refinance the existing asset while accommodating the complexities of an overseas borrower, a demanding completion timetable and a time-sensitive transaction. With a clearly defined sale exit strategy in place, TAB delivered funding on schedule, allowing the borrower to protect the asset and progress with their investment plans.

Deal Team:

• Sophie Meller, Business Development Manager, TAB.

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Blackfinch Property completes £3.2 million commercial refinance for Brookwood mixed-use development

Transaction Overview:

Lender: Blackfinch Property
Facility: Commercial Mortgage
Loan Size: £3.2 million

Blackfinch Property completed a £3.2 million commercial mortgage to refinance a completed mixed-use development in Brookwood, Surrey.

The scheme transformed a former hotel into seven residential apartments, three new-build houses and office accommodation. The five-year term facility refinanced the existing development loan, providing the borrower with additional time to stabilise occupancy levels, reduce leverage throughout the facility term and retain the development as part of a long-term income-producing investment portfolio.

Deal Team:

• Nicola Mayes, Senior Investment Manager, Blackfinch Property.
• Anya Turk, Junior Investment Analyst, Blackfinch Property.
• Corrado Vulpio, Bespoke Business Finance.

What this week's transactions tell us about the market

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

Purchase and refurbishment finance remains an important funding solution for investors looking to acquire properties with value-add potential. Where borrowers can demonstrate a clear refurbishment programme and refinance strategy, lenders continue to support projects with competitive leverage and efficient execution.

Bridging refinance activity also remains strong, with lenders taking a pragmatic approach to more complex cases. Overseas borrowers, tight completion deadlines and time-sensitive transactions continue to require flexible underwriting, with specialist lenders well positioned to deliver funding where traditional approaches may prove more restrictive.

Commercial investment finance continues to play a key role in supporting developers transitioning from development to long-term ownership. Facilities that allow borrowers to refinance completed schemes, stabilise occupancy and retain income-producing assets are becoming an increasingly important part of the lending landscape.

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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