Investment Property Finance
At Hodge Bank, we specialise in providing loan facilities for commercial property investment.
Our aim is to provide a traditional approach to banking, characterised by the establishment of close personal relationships with our clients. Our experienced team will work with you to develop lending solutions that are suitably tailored to meet your particular needs, whilst our business structure ensures that decision timescales are short.
We lend across a broad range of investment property types including office, industrial, leisure and residential. The key considerations of property quality, location, tenant covenant and investor experience are as relevant as asset type and sector.
Each new lending facility is bespoke in nature and will be negotiated directly between us. However, typical parameters;
|Borrower types||UK Companies, SPV, partnerships, private individuals, SIPP/SSAS|
|Loan Size||generally £1m – £25m|
|LTV||up to 70%|
|Term||up to 15 years|
|Amortisation profiles||straight line or structured profile with final bullet repayment|
|Covenants||LTV, Interest Cover, Debt Service Cover|
|Security||First legal charge, debenture, assignment of rents, other security as case merits|
|Interest Margin||by negotiation|