Case Studies

United Trust Bank’s (UTB) Structured Property Finance (SF) team was approached by an existing customer to provide funding for the acquisition of two light industrial properties in South London. The purchase was part of a site assembly project to unlock a large, residential led mixed use new build scheme. The new properties, along with an…

United Trust Bank’s Structured Finance (SF) division was approached by a broker representing a client wishing to purchase a mixed-use development opportunity in North London with a GDV in excess of £14m. The borrower is a successful entrepreneur with a portfolio of businesses and investment properties and began developing bare land in 2016. The customer…

BORROWER ‘Value Add’ Investor-Developer AMOUNT £10.9 million LOAN TYPE Investment Finance Term Loan LOCATION Greater London LTV 69% PROJECT TYPE Mid Term Investment with Stabilisation Period SPECIAL FEATURES • Underwritten and drawn during Covid-19 lockdown • Equity release • Interest margin reductions as the building achieves letting benchmarks UTB’s Structured Finance team were approached by…

UTB’s Structured Finance team were approached by an experienced developer who was seeking funding to refinance a recently completed 5 storey new build apartment block together with basement car parking located in a central city location. The scheme comprises 34 apartments together with allocated parking which appeal to both investors and owner occupiers given its…

UTB’s SF team were approached by Tom Robinson of Bircroft Finance limited to assist a client who wished to refinance a fully let commercial building of circa 17,000 square feet. The client was a returning customer and UTB had successfully financed two other property transactions for them. Whilst the client was looking to potentially dispose…

UTB’s Structured Finance team was approached by Paul Robins to assist with funding for the purchase of an industrial/commercial storage site in the South East. The large site also included a single residential dwelling but the purchase was structured with a deferred completion date for the residential asset. The property comprised multiple commercial units held…

Once UTB’s Structured Finance (SF) team establish a relationship with a client, it continues to develop as the client’s needs and requirements change. When we were first approached by this client in May 2017 the client simply required a facility to complete the development of a non-trading hotel in Central London whilst they also regularised…

BORROWER Developer LOAN AMOUNT •Circa £1.2m – Acquisition Loan •Circa £600k – VAT Loan LOAN TYPE Structured Finance LOCATION South East LOAN TO COST 51% (combined) PROJECT TYPE • Acquisition of a commercial/light industrial business park for redevelopment SPECIAL FEATURES • Loan includes VAT funding • Multiple amendments of the facility structure to accommodate the…

United Trust Bank’s Structured Finance division were approached by the borrower on 13th December 2018 seeking funding for the acquisition (and payment of the VAT liability) of a redevelopment opportunity in Essex. The borrower had exchanged contracts on the purchase of the commercial/light industrial site with the completion date set for the 7th January 2019.…

United Trust Bank’s Structured Finance team were approached by Bircroft Private to provide funding for the acquisition and development of a tired property in a popular south coast town to an HMO for student accommodation. The borrower, Rivers Birtwell Ltd, required 100% of the improvement costs with planned works including the addition of bathrooms and…