RELiable capital.RELationship focused.RELentless in execution.
REL Finance is a privately capitalised UK real estate lender with family office origins, providing senior debt, mezzanine finance and joint venture equity across residential, commercial and mixed-use assets.
With in-house capital and direct access to decision makers, we are able to assess opportunities commercially and move with pace. We partner with sponsors, investors and entrepreneurs to structure short-term funding solutions for acquisitions, refinances, recapitalisations and value-add business plans, supported by flexible structuring and disciplined underwriting.
Loans Completed
£0m
Completed lending across UK real estate transactions.
Average LTV
0%Average loan to value across selected facilities.
In House Capital
Private Capitalthat alleviates complex investment committee overlays which in turn facilitates quick decision making.
Why REL Finance
Direct capital. Commercial judgement. Reliable execution.
REL Finance provides senior debt, mezzanine finance and joint venture equity for UK real estate transactions where speed, flexibility and certainty matter. We work with experienced sponsors, investors and entrepreneurs across major UK cities and real estate asset classes, structuring capital around the asset, the business plan and the route to repayment. Because we deploy our own capital, we maintain clear communication and keep the transaction flowing with minimal execution risk, moving at a pace that matches our clients' targets.
Reliable Capital
Using our own capital allows us to reduce unnecessary layers, maintain clear communication and keep transactions moving from first discussion to completion.
Relationship focused
We take time to understand the sponsor, the asset, the timetable and the objective, then build a funding solution around the specifics of the transaction.
Relentless in execution
Every opportunity is reviewed on its merits, with a practical focus on the security, the business plan, the counterparty, the exit and the commercial reality of the deal.
Products
Capital Structures
REL Finance provides senior debt, mezzanine finance and joint venture equity for UK real estate sponsors. We structure capital around the asset, the sponsor and business plan - delivering clear, flexible funding across the capital stack.
Senior Loans
A flexible and reliable senior facility provided directly by REL Finance, with a first charge over the property and competitive leverage.
Loan Amount£3m to £30m
LTV / LTCUp to 70%
TenureUp to 24 months
Mezzanine Loans
Second charge capital for borrowers seeking higher leverage points, structured alongside institutional senior lenders where appropriate.
Loan Amount£1m to £8m
LTV / LTCUp to 80%
TenureUp to 24 months
Joint Venture Equity
Preferred equity style JV funding for experienced investors and asset managers who need flexible capital to progress their business plan.
Loan Amount£1m to £3m
LTV / LTCUp to 95% LTC
TenureProject dependent
Our transactions
A track record across UK real estate
From income-producing assets to development-led and specialist opportunities, REL has supported counterparties with structured funding across a range of sectors. These selected transactions demonstrate our approach to underwriting, executing and deploying capital where it is needed.
Latest deal
City of London
Office Acquisition Loan
Loan£25m
Term24 months
LTV71.5%
Later living
Greater London
Sales Exit Loan
Loan£16.7m
Term18 months
LTV74%
Pre construction
Uxbridge
Pre Construction Loan
Loan£8.2m
Term12 months
LTV59%
Co lend acquisition
City of London
Office Acquisition Loan
Loan£16.6m
Term18 months
LTV75%
Insights
Our latest news and announcements
NEW
OakNorth and REL Finance deliver £48m loan for City of London office to hotel conversion
Bridging & Commercial covers OakNorth and REL Finance completing a £48m double co loan to JMK Group.
Read more →Elysian Residences Secures £16m Co Development Loan
OakNorth Bank and REL Finance provided financing to support delivery of additional later living homes.
Read more →
REL Finance completes £16.6m co lend with OakNorth Bank for JMK Group
Green Street News coverage of a co lend facility for an established hospitality sponsor.
Read more →