Semi Commercial Refinance & Capital Raise

An existing client came to us needing to refinance and capital raise of £1,430,000 term loan secured against a semi-commercial property in Oxford. Valued at £2,150,000 the property consisted of 1 commercial unit on the ground floor with 8 flats above under 2 limited companies. The client was looking at pulling money out of his portfolio so he can invest into his next purchase adding to hi growing portfolio.

Our extensive network and deep understanding of semi-commercial property lending allowed us to identify a lender who was not only willing to refinance the existing commercial term loan but also capable of releasing the required amount of money for the clients next purchase. Furthermore, we negotiated a highly competitive interest rate that aligned with the client’s financial goals.

The solution resulted in a £1,430,000 loan on a 30-year term on an interest-only facility, fixed for five years at an interest rate of 5.89%. This arrangement enabled the client to efficiently pay off the original commercial lender and capital raising for their next acquisition, stabilising their financial position and securing the long-term profitability of their asset.

This case demonstrates our capability to navigate complex lending scenarios and deliver tailored financial solutions that meet specific client needs, even under challenging conditions.