Real Estate Finance
in United Kingdom
Bridge and development finance for prime UK real estate, arranged through institutional and private capital.
The United Kingdom remains the most liquid bridge and development finance market in Europe, supported by a deep base of senior lenders, debt funds, family offices and challenger banks. Prime central London residential continues to attract international borrowers using short-dated facilities to acquire ahead of disposals, refinance maturing debt, or fund refurbishment programmes. Regeneration zones across the South East and the larger regional cities also generate steady demand for development finance.
Passy Partners works primarily with sponsors holding existing UK assets or acquiring through SPV structures. Borrower profiles include private investors, single-family offices, asset managers and small developers operating across residential, mixed-use and selective hospitality.
London
Mayfair, Belgravia, Knightsbridge, Chelsea, Marylebone: prime central residential, ultra-prime trophy assets, mixed-use refurbishment.
Greater London regeneration corridors
Nine Elms, White City, Stratford: development and forward-funding facilities.
Manchester
Build-to-rent, hospitality, city-centre regeneration.
Edinburgh
Prime residential, boutique hospitality, heritage refurbishment.
Home Counties
Surrey, Berkshire, Oxfordshire: country estates and prime residential bridge.
- –Acquisition bridges on prime central London residential held in BVI, Jersey or UK SPVs.
- –Refurbishment and light development bridges from £1M to £50M.
- –Senior development finance for residential and mixed-use schemes outside London.
- –Refinancing of maturing senior facilities, including stretched senior structures.
- –Equity-release bridges against unencumbered prime stock.
- Facility size
- From €1M, up to €50M
- Security position
- Senior, stretch-senior or whole-loan
- Bridge pricing
- From ~8% per annum
- Bridge leverage
- Up to ~70% of value
- Development
- From ~8% p.a., up to ~60% of GDV
- Term
- 3–24 months (bridge); 18–36 (development)
Indicative parameters only. Rate, leverage and term are set by the chosen lender and confirmed on completion of underwriting.
The Financial Conduct Authority (FCA) regulates consumer mortgage activity and certain forms of regulated lending in the UK. Passy Partners Ltd operates as an arranger of finance for professional and corporate borrowers, not as a lender, and structures transactions through regulated lenders, debt funds and private capital where the underlying borrower is typically a corporate vehicle. Regulated residential mortgage business is referred to FCA-authorised partners.
UK transactions generally involve SDLT planning at acquisition, with surcharges applying to additional dwellings and non-resident buyers. Holding structure (SPV, offshore company, trust) directly affects exit options and lender appetite, and is taken into account at structuring stage alongside the borrower's tax counsel.
United Kingdom financing,
explained.
Yes, and it is one of the most common structures we arrange. Prime central London in particular is held by international borrowers through UK, Jersey or BVI SPVs, and our lender network is selected partly on its appetite for non-resident borrowers and offshore holding chains. KYC and source-of-funds expectations are higher in these cases, and the holding structure directly affects both lender eligibility and exit options. We confirm appetite with the chosen lender before issuing indicative terms.
Discuss a UK financing requirement
Initial conversations are confidential and without obligation.