REDM originates, structures and manages portfolios of commercial real estate loans of over £1bn.
We have a highly experienced, entrepreneurial team which has extensive experience of structuring commercial and residential real estate loans and analysing risk.
We are relationship-led with short reporting lines and a bespoke Investment Committee structure, comprising senior Rothschild & Co bankers and independent advisors, ensuring that decisions are made in a timely manner.
We pro-actively manage the completion process with experienced individuals retaining client responsibility throughout the relationship.
We have a strong regional focus and UK network.
Please see further below or for more information, contact us.
As well as loans secured by investment property, we also provide loans for pre-let and/or pre-sold development schemes.
Loans can be provided to individuals, special purpose vehicles, trusts and companies.
Loans are funded on a fixed or floating interest rate basis by two large UK insurance companies, for whom we act as investment manager.
Rothschild & Co Bank International also co-lends part of most loans.
Typical loan sizes range from £5m to £50m, but with flexibility up to £100m depending on the transaction.
|
Loan amount |
£5 million to £100 million |
|
Loan type |
Senior ranking - investment or pre-let/pre-sold development |
|
Core property sectors |
Commercial real estate, comprising office, industrial, retail and leisure, with capacity for small elements of residential in mixed portfolios |
|
Other property sectors |
Includes - Healthcare, social housing, PBSA and open storage |
|
Location |
UK and Channel Islands |
|
Currency |
Sterling |
|
Term |
3 to 30 years |
|
LTV |
Up to 70% |
|
Interest rate |
Margins over SONIA (either floating or fixed) typically 2% - 3%, with an arrangement fee of around 1%. These are higher for development loans |
|
Covenants |
Market standard |
REDM originates, structures and manages portfolios of UK commercial and residential real estate loans for third party institutional investors who use the asset class to match both fixed and floating and short and long term liabilities. Investment policies are tailored to meet specific investor requirements and can either be on a discretionary or non-discretionary basis, depending on investor preference.
We provide an extensive service to our investors which includes origination across the UK, investment analysis, loan structuring, Investment Committee process, legal completion, ongoing monitoring and comprehensive reporting.
We have the ability to co-lend alongside our investors in each loan to ensure interests are aligned.
Please contact us if you would like to discuss any aspect of the above in more detail.