Investment Loans

Market-leading medium-term finance

Introduction

A flexible alternative to the formulaic lending of many high street banks; our lending mandate is directed by common sense rather than algorithms. And as a private lender specialising purely in real estate, our attention is always on you. Borrow against a multitude of asset classes, including: Residential, offices, hotels, retail, mixed use and senior living.

Rates

The following information is intended as a guideline only (regions may vary):

Maximum LTV 75%
Interest Rate Per Annum From 3.95% plus SONIA
Maximum Loan Size £150,000,000
Minimum Loan Size £5,000,000
Maximum Term 60 months
Minimum Term 12 months
Interest Cover Ratio Case-by-case
Interest Compounded Quarterly

 

Criteria

  1. Loan purpose: acquisition, refinancing, repositioning, refurbishment, development exit
  2. Geographies: England, Scotland and Wales
  3. Property Types: office, industrial, leisure, residential, retail
  4. Borrowing vehicles: UK SPVs. Non-UK SPVs subject to legal review
  5. UK individuals complying with FSMA 2000 exemptions will be considered
  6. Typical security package to include: first ranking fixed charge over the property, Debenture over the SPV, Charge on SPV shares
  7. Financial covenants: ICR, DSCR, LTV and WAULT covenants as appropriate
  8. LTVs based on Open Market Value
  9. Clear business plan and exit strategy
  10. Loans subject to credit approval, due diligence, satisfactory loan documentation and KYC

Get in Touch

+44 (0)20 3518 3710

19 Dacre Street
London
SW1H 0DJ

info@zorinfinance.com

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