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Our Real Estate Finance Coverage

General Overview
Financing Types
Non-Living Assets
Living Assets
With negative interest rates permeating through most developed markets, real estate investment yield is increasingly being viewed as a replacement fixed income bond yield, thus drawing allocations from large institutional investors seeding to specialised real estate investment and development lending platforms, all whom have varying appetites and requirements. With the deal environment for the highest quality assets being as elevated as it is, having committed financing is a source of competitive advantage in multiple bidder scenarios, never therefore, has it been as important to engage the services of a proven financing broker such as Mount Abu Capital, who can assess the vendors sale conditions, and can propose solutions that navigate through the myriad of lenders and deal criteria and obtain optimal financing terms, allowing for drawdown of funds to take place in the desired timeframe.

Traditional lines across commercial and residential assets continue to become ever more blurred with mixed use and multi-purpose schemes becoming more prevalent.

As a London based firm, we predominantly focus on the United Kingdom, but seek proposals from borrowers whom have projects well located in mainland Europe.

Asset Class Mix

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Commercial
Residential
Mixed Use

Development Phase

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Transitional Assets
Unconditional Site Purchases
Conditional Site Purchases
Stabilised Assets
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Capital Raising

Use of Funds

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Acquisition
Bridge
Development - Ground Up & Conversions
Developer Exit
Investment finance
Refinancing
Restructuring
Recapitalisation
Forward Funding Committment.
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Pricing/fees and LTV parameters dependant on:

(A) Prevailing market conditions (Institutional/lenders own liquidity, lender competition);
(B) Borrower/sponsor profile (net worth, track record of similarly completed developments with successful exit, level of personal guarantees);
(C) Property specific factors that could impact the expected returns during the term (location, strengthening/deteriorating asset class, exit strategy).
(D) Covenant package (financial, operating, collateral, default provisions).

Mount Abu Capital will seek to optimise the financing terms to match the borrower/sponsors profile with the market outlook for the asset class in question to provide sufficient downside protection against unexpected market dislocations.

Senior Debt Package

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Senior Debt - Top of the Capital Structure (for development finance typically between 50-75% LTC, and for investment finance between 50%-75% LTP/LTV/VP)
Stretched Senior Debt - Whole loan blended with both senior and mezzanine from one lender (between 75-90% LTC)
Super Stretched Senior - Whole loan blended with both senior and mezzanine from one lender (up to 95% LTC)

Mezzanine Debt
(As Stand Alone)

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Below Senior debt in the Capital Structure (up to 90% LTC)

Equity
&
Special Situations

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Equity on Coupon
Preferred Equity
Side by Side Equity
Special Situations: Typically for stabilised assets that are exeriencing some degree of stress/distress (up to 85% LTV) backed by a credible business plan.

Legal Entities

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Individuals, Corporate Entities, Onshore SPV's. Partnerships, LLP's
Offshore SPV's, Trusts.

Other Loan Criteria

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Term - 3 months to 5 years
Minimum loan size GBP2mm upwards.

Funding Structures

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Forward Funding - typically for larger schemes that attract insituitional investors attention.
Sale and Leaseback
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Operational Real Estate (ORE) cuts across both traditional and alternative types of real estate. The key distinguishing feature of ORE relates to the predictability and security of the underlying revenue stream when compared with the income streams derived from traditional real estate.

Hospitality

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Hotels
Aparthotels
Serviced Apartments

Office

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Offices - Grade A, B, C
Business Parks

Logistics

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Urban/Last Mile Logistics
Distribution Centers
Out of Town Warehouses
Fulfillment Centers

Industrial

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Production Facilities
Retail Warehouses

Emerging Sectors

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Life Sciences
Data Centres

Special Purpose

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Self Storage
Car Parks
Motorway Roadside
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Investors are drawn to the granularity of multi-family assets as a means of diversification from traditonal single tenant mix compositions.

Coverage of Ground Up Development and Conversion under PDR.

Large Multifamily

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High-Rise, Mid-Rise
10 Units or more units
Affordable Housing
Purpose Built Student Accomodation (PBSA)
Later Living
Luxury
Co-living/Young Professionals

SME Developer

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Low/Mid Rise
10 units and below for variety of end uses

Schemes for
Single Family Homes

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Brownfield or Greenfield Schemes
for Affordable Housing, Luxury

Conversions/PDR

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Non-PBSA Student Accomodation
Social Housing
Large HMO by Portfolio Value > GBP2mm upwards
Large HMO by No. of Rooms > 8 and upwards

Healthcare

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Care & Nursing Homes
Private Hospitals
Medical Centres

Asset class

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A super simple icon list element.
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Our Process

SHORT TERM FINANCE
LONG TERM FINANCE

1

CLIENT KYC
&
PROJECT DUE DILIGENCE

2

CLIENT MANDATE
&
MARKETING
MATERIALS

3

LENDER SEARCH
&
OPTIMISATION

4

TERM SHEET
&
VALUATION

5

LEGALS
&
DRAWDOWN

EXIT VIA REFINANCE
REPEAT BUSINESS
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Our Process

SHORT TERM FINANCE
LONG TERM FINANCE

1

CLIENT KYC
&
PROJECT DUE DILIGENCE

2

CLIENT MANDATE
&
MARKETING MATERIALS

3

LENDER SEARCH
&
OPTIMISATION

4

TERM SHEET
&
VALUATION

5

LEGALS
&
DRAWDOWN
EXIT VIA REFINANCE
REPEAT BUSINESS
SHORT TERM FINANCE
LONG TERM FINANCE

1

CLIENT KYC
&
PROJECT DUE DILIGENCE

2

CLIENT MANDATE
&
MARKETING MATERIALS

3

LENDER SEARCH
&
OPTIMISATION

4

TERM SHEET
&
VALUATION

5

LEGALS
&
DRAWDOWN
EXIT VIA REFINANCE
REPEAT BUSINESS
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REGULATORY, OPERATIONS & LEGALS

CONTACT US





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