Case Studies

Figures from the Finance and Leasing Association (FLA) showed a mixed bag of performance for the different sectors during 2017. Funding of plant and machinery in December 2017 just 1% higher than in December 2016, Commercial Vehicle finance down 14% and the big assets; ships, planes, rolling stock etc down by 41%. Stronger performances in…

United Trust Bank’s Asset Finance BDM for the North and Scotland was approached by a broker with a client looking to fund the £250,000 purchase of some new trailers. The customer was an established trailer hire company and the new trailers were being supplied by a German company. Although the trailers were being delivered prior…

United Trust Bank is committed to supporting the SME house building sector. Recently the Bank provided funding to a growing regional house builder for a development of 91 homes on the edge of a popular midlands village. The house builder was set up five years ago as a subsidiary to a successful family owned civil…

The second charge market is flourishing, and secured loans are being employed for an increasing variety of uses. United Trust Banks’s Mortgage team recently completed a £48,000 second charge loan for a couple which would enable one of them to take up a stock option from his employer. The applicant had worked for the company…

United Trust Bank’s Structured Finance division was approached to refinance a development of 26 residential apartments in North London with the ultimate beneficial owner being an offshore family trust. The existing high loan to cost lender was funding the construction of the development and our original offer of funding was based on the development reaching…

BORROWER Private Client LOAN £11.8 million LOAN TYPE Development Finance LOCATION Greater London LTC 75% PROJECT TYPE • New Build | Mixed use • 10 storeys including basement • Principal Contractor SPECIAL FEATURES • JV between two Family Offices • Former pub site next to transport hub • Complexities around enabling infrastructure, site access and…

United Trust Bank (UTB) was approached by an existing broker partner representing a client who had the opportunity to purchase a commercial property at a very advantageous price, but needed to act quickly. The customer wished to fund the purchase over 4 years, a relatively short period for a property purchase. The more traditional funding…

United Trust Bank’s (UTB) Bridging team was approached to assist a borrower wishing to purchase a 3 bedroom detached house in North West London. The intention, following the acquisition, was to seek planning permission to convert the house into two apartments. The borrower was an experienced property professional, owning several other investment properties in addition…

International Private Clients and Family Offices frequently look for opportunities to diversify their wealth into UK Real Estate as part of their wider asset management & wealthy preservation strategy.  United Trust Bank is adept at assisting high net worth individuals once they have identified suitable investment projects. The borrower, a joint venture between two wealthy…

United Trust Bank’s Structured Finance team was approached earlier this year by an experienced broker acting on behalf of a developer seeking funding for the acquisition of a development site along with a facility to meet the VAT liability payable upon purchase. The site comprised a vacant office building, two smaller buildings and a large…