The next 12 months will be tougher for the lending industry than the previous 12 months, perhaps harder in fact than the previous decade or longer. Inflation is rising, a global recession is looming large, rising interest rates have changed the lending environment substantially and real estate values internationally are under significant downward pressure.
Everyone is being bombarded with negative, doom and gloom and tighten your {seat} belts messaging.
Regardless of the economic headwinds we are going to keep doing what we do best – offering short term loans to quality borrowers secured against international real estate. We will do this through every stage of the cycle.
We have the experience and skillset to navigate even the most complex financing requirements, including lending to individuals, corporate entities and in transactions that involve SPVs, limited companies, trusts and funds.
We are comfortable with UK and international clients, as well as international property or structures.
To ensure any borrowing proposition has the best chance of success, we have a simple checklist:
- We need a good asset and a strong borrower profile.
- We need a clear narrative and explanation of the transaction at the start.
- We will look beyond the asset and to the borrower so will need a certain amount of borrower due diligence – the faster and cleaner this can be provided, the better.
Our rates start from 0.55% PCM and we can offer up to 75% LTV against international residential real estate. We can lend from £1 million, with no upper limit. Every loan we offer is tailored specifically to the borrower, as this helps maximise the efficiency of the deal.
So, although 2023 may be tougher, we are confident we are best placed to provide a solution that works for everyone.
If you would like to discuss, please contact us.