Case Studies

Structured loans are usually bespoke financial solutions tailored for individuals or companies involving multiple securities often owned within several corporate entities or trusts. It’s also not unusual for these to be both on and off-shore and for the clients to be sophisticated, high net worth individuals with exacting standards. In this example United Trust Bank’s…

United Trust Bank’s Asset Finance team was approached by a broker representing a client he had known for over 25 years. They had transacted many agreements together and the customer had an excellent payment record. On this occasion, the coach firm wished to raise £40,000 as a cash injection to the business following a slow…

In the Spring of 2016, United Trust Bank’s Bridging team was approached to assist with the purchase of redundant office space above a bank in a period building in Kent and to fund the works for its subsequent conversion into two apartments. A year later and the development by Regents Bay is complete with developer…

United Trust Bank’s Development Finance division was approached by a husband and wife team to assist with the refinance and subsequent development of a detached house in South London. The property was purchased with the benefit of planning permission to demolish the existing house and develop a modern block with leisure facilities on the ground…

United Trust Bank (UTB) recently completed a bridging loan enabling a property developer to acquire a property and undertake a full and extensive refurbishment. The developer, a previous customer of the Bank, secured the £1.1m loan over several properties and this allowed him to fund all the costs on the project, including the purchase, stamp…

United Trust Bank’s Development Finance team was approached to fund the development of a mixed-use scheme in East London. The developers, NestEast, were seeking to undertake what would be their largest and most complex scheme to date. They put together a strong team and used contractors with whom they had previously worked. The property was…

United Trust Bank recently completed a £250,000 second charge mortgage for a customer looking to fully fund the purchase of a Buy to Let (BTL) investment property. Our applicant had built up a substantial amount of equity in his home and decided to release some of it to invest in more property. Our applicant met…

United Trust Bank’s Asset Finance team was approached by a broker who had dealt with a long established bus and coach operator since the company was formed. The company is now being managed by second generation family members having originally been set up by the father who worked in the bus and coach industry all…

United Trust Bank’s Structured Finance team was approached by a broker seeking a £3.2m facility for a customer who needed to 100% fund his next project. The customer was an experienced building contractor and developer with a strong track record of successful projects in East London. Subsequently he had built a small portfolio of buy…

United Trust Bank’s Structured Finance department was created to provide bespoke financial solutions for sophisticated investors and developers often with complex portfolios, ownership structures or unusual requirements. Earlier this year the Bank was approached by a successful businessman and property investor wishing to refinance a £2.5m loan secured against his current home, a substantial Grade…