Episode 27 - Tuesday 11th August

 

Mixed-use redevelopment, capital raises and refurbishment-led bridging continue to shape lender activity.

This week's transactions highlight continued demand for specialist lending solutions across mixed-use redevelopment, portfolio restructuring and refurbishment-led investment strategies.

From borrowers unlocking equity across multiple assets to investors refinancing high-value residential properties following extensive redevelopment, lenders continue to support well-structured opportunities where the exit strategy is clearly defined.

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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Lendco

Transaction Overview:

Lender: Lendco
Facility: Bridge-to-let Loan
Loan Size: £858k

Lendco completed an £858k bridge-to-let loan at 75% LTV to support an experienced portfolio landlord with the purchase of a multi-unit block in East London. Speed was key, with the transaction completing in three weeks and funding both the acquisition and light refurbishment of communal areas and two vacant units. Once works completed, the borrower refinanced onto a Lendco 5-year fixed BTL mortgage, benefiting from a 0.15% rate discount and refunded valuation fee.

 

Deal Team:

• Alex King, Executive Director, Lendco
• Graham Palmer, BDM, Lendco

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Glenhawk

Transaction Overview:

Lender: Glenhawk
Facility: Finish & Exit Loan
Loan Size: £2.1m

Glenhawk completed a £2.1m finish and exit loan to help a developer complete a four-unit barn conversion project in Northumberland.

The borrower was mid-development when key members of the build team fell unwell, requiring more time to finish, market and sell the units. Two barns were complete, with two at an earlier stage. Glenhawk provided a day one net loan to repay the existing development lender, plus a £611k drawdown facility to complete the remaining works.

The case included added complexity, with a liquidated property in the borrower’s background and bats detected on site late in the transaction.

Deal Team:

• Ryan Brewer, Business Development Manager, Glenhawk.
• Loulou Rich, Underwriter, Glenhawk.

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Ortus Secured Finance

Transaction Overview:

Lender: Ortus Secured Finance
Facility: Structured Finance
Loan Size: £14.4 million

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

The facility was secured against a warehouse extending to more than 470,000 sq ft and gives the borrower flexibility to continue lease discussions with the existing occupier, pursue multiple repayment and exit options, and maximise the long-term value of the investment.

 

Deal Team:

• Jamie Russell, Commercial Director, Ortus Secured Finance.
• Tanya Wolfe, Managing Director, Brotherton Real Estate.

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What this week's transactions tell us about the market

This week's transactions reflect continued confidence across the real estate lending market, with lenders remaining supportive of well-structured opportunities despite a more selective environment.

Mixed-use redevelopment schemes continue to attract strong appetite, particularly where there is a clear planning angle or the opportunity to enhance asset value over time. We're also seeing investors increasingly leverage multi-property portfolios as security, enabling them to unlock capital and fund further acquisitions without disposing of existing assets.

Refurbishment-led bridging finance remains an important part of the market, supporting borrowers looking to improve assets before transitioning to longer-term investment finance. At the same time, lenders continue to place significant emphasis on clearly defined exit strategies, with robust sale plans remaining a key requirement where capital is being raised to complete final works.

Overall, this week's transactions demonstrate a lending market that continues to back experienced borrowers with clear business plans, pragmatic funding structures and well-defined routes to value creation.

 

Why these Transactions Matter

Tuesday's Top Transactions is designed to showcase 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 mortgages and specialist lending, the series provides brokers, lenders, developers and property investors with valuable insight into where funding is flowing and how facilities are being structured.

Beyond the headline loan sizes, these updates offer a snapshot of current lending appetite, emerging market trends and the innovative funding structures helping borrowers deliver successful property projects.

 

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:

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