Episode 24 - Tuesday 28th July

Bridging acquisitions, capital raises and refurbishment finance continue to drive specialist lending activity

This week's transactions showcase continued demand for specialist funding solutions across acquisition finance, capital raises and refurbishment-led bridging facilities.

As borrowers look to unlock equity, expand their portfolios and enhance existing assets, specialist lenders continue to structure facilities that balance flexibility, speed and clearly defined exit strategies. Whether supporting a multi-property acquisition, combining a capital raise with a residential purchase or funding the final stages of a high-value refurbishment project, lenders remain focused on tailoring finance to each borrower's individual 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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StreamBank completes £642,000 bridging facility for Kent acquisition and refurbishment

Transaction Overview:

Lender: StreamBank
Facility: Bridging Finance – Property Acquisition & Refurbishment
Loan Size: £642,000

StreamBank completed a £642,000 unregulated bridging facility secured against three properties to support the purchase and refurbishment of two buy-to-let cottages in Sevenoaks, Kent.

The facility enabled the borrower to acquire the two residential properties while also releasing capital against an existing semi-commercial asset in Dartford to fund refurbishment works and associated costs. The planned exit strategy is to refinance the completed properties onto longer-term facilities once the refurbishment programme has been completed.

Deal Team:

• Aiman Maklad, Business Development Manager, StreamBank.
  
• Nick Hepburn, Co-Founder, Ace Finance.

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Morpheus Lending structures £765,000 bridge for capital raise and residential acquisition

Transaction Overview:

Lender: Morpheus Lending
Facility: Bridge, Capital Raise & Residential Purchase
Loan Size: £765,000

Morpheus Lending completed a £765,000 bridging facility secured across two properties, combining a capital raise with the acquisition of a new residential asset.

The transaction included a capital raise against a semi-commercial property comprising a ground-floor nail salon with residential flats above, alongside the 100% purchase of a separate residential building. The structure allowed the borrower to unlock equity from the existing asset while simultaneously funding the acquisition, delivering a flexible solution that supported both objectives within a single transaction.

Deal Team:

• Matt Mawdesley, Founder, Morpheus Lending
• Remar Reid, Momentum Mortgages.
• Ivan Brodrick, Senior Surveyor, Copping Joyce.
• Andreas Panteli, Partner, Gunnercooke.
• Lawrence Molloy, Real Estate Finance Associate, Gunnercooke.
• Jason Wong, Real Estate Finance Associate, Gunnercooke.

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MS Lending Group completes £1.47 million refinance and capital raise

Transaction Overview:

Lender: MS Lending Group
Facility: Refinance & Capital Raise
Loan Size: £1.47 million
Security Value: £2.1 million

MS Lending Group completed a £1.47 million refinance and capital raise secured by way of a first legal charge against a substantially refurbished six-bedroom residential property.

The borrowers originally acquired the property for £600,000 before investing approximately £1.1 million into an extensive high-specification refurbishment. The facility repaid existing private funding while releasing the remaining capital required to complete the final stages of the project, including the property's fit-out and landscaping. The planned exit is through the sale of the asset, with several prospective purchasers already identified.

Deal Team:

• Alec Lawrence, Relationship Manager, MS Lending Group.
  
• Mike Watson, Head of Underwriting, MS Lending Group.

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What this week's transactions tell us about the market

Bridging finance continues to play a vital role in supporting borrowers who require funding across multiple objectives within a single transaction. Whether combining acquisitions with capital raises or funding refurbishment alongside property purchases, lenders continue to demonstrate the flexibility needed to structure increasingly bespoke solutions.

Capital raising also remains a key driver of activity, with borrowers continuing to unlock equity from existing assets to fund portfolio growth, complete refurbishment projects and improve overall funding structures. Where borrowers have a clear strategy and strong underlying security, lenders remain willing to support more sophisticated funding requirements.

Meanwhile, refurbishment-led transactions continue to highlight the importance of specialist lending throughout the property lifecycle. From initial acquisition through to final fit-out and eventual refinance or sale, lenders continue to provide facilities that help borrowers maximise the value of their assets while maintaining clearly defined exit strategies.

Across all three transactions, one theme remains consistent. Flexible funding structures, strong security and well-planned exits continue to underpin successful transactions across the specialist real estate finance market.

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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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