Commercial Mortgages
Long-term lending secured against commercial premises.
- Suitable for
- Owner-occupiers and commercial investors.
- Typical uses
- Premises purchase
- Owner-occupier move
- Refinance
Property Capital
Funding Exceptional
Property Opportunities.
Introduction
Property Finance
Property rewards precision. We assist investors, developers, landlords and commercial buyers with funding structured around the asset, the business plan and the intended exit — arranged so that valuation, legal work and drawdown follow one coherent timetable.
Acquisition
Capital in place before the opportunity is contested.
Development
Facilities phased against programme and cost plan.
Income
Structures built around sustainable rental performance.
Consolidation
Portfolios simplified into coherent, reviewable facilities.
Exit
Terms designed with the eventual sale or refinance in mind.
Services
What this division arranges.
Investment Finance
Facilities structured around rental income and asset quality.
- Suitable for
- Investors holding income-producing property.
- Typical uses
- Asset acquisition
- Yield strategies
- Capital release
Buy-to-Let Finance
Lending for single units and multi-unit residential investments.
- Suitable for
- Private and professional landlords.
- Typical uses
- First investment
- HMO purchase
- Limited company holdings
Portfolio Finance
Consolidated facilities across multiple assets and structures.
- Suitable for
- Landlords with several properties or entities.
- Typical uses
- Portfolio refinance
- Cross-collateralisation
- Acquisition capacity
Development Finance
Senior, stretch senior and mezzanine capital across build programmes.
- Suitable for
- Developers with a costed, deliverable scheme.
- Typical uses
- Ground-up build
- Conversion
- Site acquisition
Property Refinancing
Replacing existing property debt with better-matched terms.
- Suitable for
- Owners approaching maturity or holding legacy debt.
- Typical uses
- Term maturity
- Equity release
- Rate restructure
Commercial Property Lending
Funding across offices, industrial, retail and mixed-use assets.
- Suitable for
- Commercial buyers and investors.
- Typical uses
- Industrial units
- Mixed-use blocks
- Retail parades
Bridging Solutions
Short-term capital where timing determines the opportunity.
- Suitable for
- Buyers working to a fixed deadline.
- Typical uses
- Auction purchase
- Chain break
- Pre-refinance
Property Journey
From opportunity to completion, coordinated.
- 01
Property Identified
The asset, the plan and the timetable established.
- 02
Financial Assessment
Value, income and downside modelled independently.
- 03
Funding Structure
A facility designed against the business plan and exit.
- 04
Legal Coordination
Solicitors, valuers and lender managed to one timeline.
- 05
Completion
Drawdown delivered without avoidable delay.
- 06
Long-Term Relationship
Reviews ahead of maturity and the next acquisition.
How We Work
Considered from first conversation to completion.
- 01
Property Identified
The asset, the plan and the timetable are established.
- 02
Financial Assessment
Value, income, cost and downside modelled independently.
- 03
Funding Structure
Facility designed against the business plan and exit.
- 04
Legal Coordination
Solicitors, valuers and lender managed to one timeline.
- 05
Completion
Drawdown delivered without avoidable delay.
- 06
Long-Term Relationship
Reviews ahead of maturity, refinance and the next acquisition.
Why Clients Work With RSL
Judgement, not distribution.
- 01
Tailored Solutions
- 02
Independent Guidance
- 03
Long-Term Relationships
- 04
Commercial Understanding
- 05
End-to-End Support
- 06
Efficient Process
- 07
Strategic Thinking
- 08
Personal Service
Frequently Asked Questions
Answered plainly.
Yes, provided the plan is sound. We are equally candid when an opportunity does not stand up.
Yes. Corporate and SPV structures are common in property lending and we advise on the practical implications.
Yes, across senior, stretch senior and mezzanine positions, phased against the build programme.
Short-term facilities move faster than term lending, but timing depends on valuation and legal work. We set a realistic timetable at the outset.
Yes. Consolidating multiple assets into one reviewable facility is a frequent instruction.
Consultation
Let's Discuss Your Objectives.
An initial conversation is private, unhurried and without obligation. We will tell you plainly whether we can help, and what we would do first.
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