PRODUCTS
Flexible products across the capital stack
From senior debt to mezzanine and joint venture equity, REL structures flexible funding for strong counterparties across UK real estate, focusing on security, execution and commercial alignment.
Typical facility profile
Facility size£1m to £30m
TenureUp to 24 months
MarketsMajor UK cities
Asset viewSector agnostic
FUNDING STRUCTURE
Capital positioned where it works best
REL takes a capital stack-led approach to each transaction, assessing risk, leverage and return to identify the most appropriate funding position. Each structure is underwritten to support the sponsor’s strategy while maintaining clear discipline around security, repayment and execution risk.
Senior debtMezzanine financeJoint venture equity
SECURED LENDING
Asset classes we consider
Funding is focused across major UK cities and real estate asset classes. REL Finance takes a sector agnostic approach and evaluates each deal on its individual merits.
Office
Hotels
Industrial
Student Accommodation
Retail
Land with Planning
KEY PRODUCTS
Choose a structure that matches your aspiration
Loan sizes range from £1m to £30m with tenures up to 24 months. Each transaction is reviewed on its individual merits.
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
COMPARISON
Product Comparison
| Product | Loan amount | LTV / LTC | Max tenure |
|---|---|---|---|
| Senior Loans | £3m to £30m | Up to 70% | Up to 24 months |
| Mezzanine Loans | £1m to £8m | Up to 80% | Up to 24 months |
| Joint Venture Equity | £1m to £3m | Up to 95% LTC | Project dependent |
PROCESS
Built for speed, clarity and execution
01
Review the opportunity
We assess the asset, sponsor, business plan and required timeframe.
02
Assess and structure
Each transaction is reviewed case by case to determine suitability and identify the appropriate facility structure.
03
Indicative terms
If aligned, we discuss the opportunity in more detail, visit the asset and provide indicative terms.
04
Approval and diligence
Credit paper is prepared for approval, with valuation and legal due diligence progressing in parallel.
05
Complete and draw down
Once conditions are satisfied, the facility completes and capital is drawn down.
Where a transaction is not suitable, we provide a prompt and transparent response.
