• • Tenn is a specialist, high-value international bridging lender.

  We have a track record and expertise in delivering large loans against UK and international real estate. We are set up to lend at pace, and have delivered international bridging finance in as little as 12 days.

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We are one of the few lenders who don’t have any limitation on where we can lend.

Provided we can see a quality asset in a liquid market and solid borrower we can consider an international bridging loan.

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We understand that many high-net-worth individuals own international real estate or invest in residential real estate outside their country of residence.

Despite having solid financial backgrounds, borrowing against high-value real estate  remains challenging. Many lenders cannot (or do not want) to lend against international assets.  Others find it is challenging to accommodate the international holding structures that are usually used to own such property.

Identifying this gap in the market and knowing there was significant demand for a lender that could offer loans against international real estate or accommodate international structures, we launched Tenn to make it easier for borrowers to lend against international residential real estate.

• Yes. We deliver international bridging finance in deals where: Property is located internationally
• In deals that involve international structures
• To foreign or non-resident borrowers who own high-value assets as investments but don’t necessarily live in the same country where they own the property.

We understand how, where and why a borrower will need international real estate and how to arrange the loan using these entities.

We can lend in deals that involve any offshore entity or structure. What these are will depend on the borrower’s wider wealth planning, estate planning, confidentiality requirements, fiscal planning, optimising how asset ownership and how they structure their income and capital. Trusts, SPVs, funds, philanthropic entities.

We can lend in deals that involve Guernsey, Jersey, Isle of Man, BVI, Cayman, Singapore, Hong Kong, Gibraltar or Swiss structures of various types.

• No. In many cases, a property in any international location will not be the same place that a borrower generates their wealth. They may simply own an investment property or holiday home. Despite using the property as security for a loan, many borrowers want to use the loan capital elsewhere – often in another country. We call this cross-border lending. We are happy to facilitate deals where the loan is used in a different country than the security.

Yes, we can lend against multiple assets anywhere in the world, as long as we see a quality borrower and assets. Usually, we are approached for multi-asset lending when a borrower wants to maximise what they can borrow without taking several loans against several different properties.

We can offer a single loan using more than one international property as security to help our clients access more capital and source a one-stop solution for lending.

Yes. We understand why sophisticated and high-net-worth borrowers would want to release equity from international properties and we are happy to lend in these circumstances.

We do not offer lending products and we do not have fixed lending criteria. In our experience writing international bridging loans, the borrowers, assets, exits and reason for taking the loan are too distinctive to allow for criteria. Requiring every borrower meets fixed lending criteria would make the group people we could lend to overly narrow. We are set up to write international bridging loans to as many quality borrowers as possible.

The location of the asset or having lots of international or multi-jurisdictional elements in the loan does not hinder us from being able to offer international bridging finance.

Tenn writes every loan to order because the structuring requirements and complexity of these loans will be unique – it is not possible to offer a fixed rate or product. Our loans start at 0.55% PCM for prime property in the most popular and liquid prime markets, including the UK. In other locations prices start at 0.8% PCM.

The fact that international structures are involved in a loan does not necessarily mean a loan will be much more expensive. We are set up to lend via structures and in deals that involve both  assets and entities. We have exceptional understanding of international bridging loans and can deliver these transactions at pace.