Arc & Co. and Atlas Capital Partners close £17m loan secured against South London industrial asset

Cameron Hayes, Director at Arc & Co., has completed a £16.7m commercial facility for a repeat client, secured against a South London warehouse asset.

The funding, provided by Atlas Capital Partners, was used to refinance the existing construction loan and to support the sponsor in executing the lease-up strategy for the asset.

The facility is provided on a term of 24 months, at 78% LTV and priced at a very competitive margin.

The market for London industrial is highly sought after among occupiers and investors, though stabilisation and exit for sale can take up to 12 months, allowing the client time to realise the true value once let.

Arc & Co. secured funding with the lender, negotiating the commercial covenants in the facility, enabling the client to secure highest net day one leverage for refinance, while having the first period of interest paid in kind to help with cashflow.

The process was implemented within 10 weeks of initial review, partnering with CBRE’s Industrial valuation team, and DMH Stallard and Pinsent Masons advising on the legals.

Cameron commented:

“This is a great example of private credit entering the commercial sector to bridge the gap between traditional development finance and term finance.

“Traditional banks’ appetites to support complex commercial funding requirements, especially those without tenants in place and requiring a period to lease up and stabilise, remains constrained.

“We’re able to tap into liquidity for a variety of scenarios, structuring deals that enable commercial clients to see out their business plans and prosper.”

Arc & Co. appoints new asset finance advisor

Specialist equity and debt advisory Arc & Co. has appointed a new asset finance advisor to join its growing team of specialists.

Arjun Saroya has a strong background in development finance, most recently as portfolio manager at lender Invest & Fund.

His day-to-day consisted of managing live and prospective loans, drawdown processes, tracking facilities and monitoring borrower budgets and project reporting.

He has also worked within a Prime London property development business where he was involved in financial modelling, with a specific focus on office to residential schemes.

In addition, Arjun has previously held a role in the underwriting department at Hampshire Trust Bank.

He joins the business as of May and will be working closely with Director Philip Kay, across a range of real estate funding areas and asset classes.

Arjun commented:

“I am very much looking forward to bringing my communication and analytical skills to the role at Arc & Co., whose impressive client roster I am excited to build on.

“My experience in deal structuring and credit management from a variety of perspectives will certainly aid my progression as I take on this new challenge, supported by one of the best teams in the market.”

Andrew Robinson, Arc & Co. CEO commented:

“Arc & Co. has experienced an incredibly strong 2025 so far, as we move and adapt with the market.

“In order to keep momentum and keep up the top-notch service our clients are accustomed to, we welcome new talent to join our team of experts.

“Arjun has a solid understanding of the inner workings of lending and development, making him a great addition. His insight and knowledge will add value to our advisory capabilities and we’re very pleased to have him on board.”

Arc & Co. arranges £2m in funding across three unusual deals

£1.17m bridging loan for holiday park in Scotland

Sam Beaumont, Asset Finance Advisor at Arc & Co., has arranged a £1.17 million complex bridging loan to help fund the acquisition of a holiday park in Scotland.

The asset type created barriers to financing, in part due to the difficulty valuing the unusual site.

Despite these complexities, Arc & Co. expertly navigated the deal, with the chosen lender’s in-house holiday lodge specialist able to overcome the valuation challenges.

Sam used his expertise to manage a complicated borrowing structure and keep the deal timeline on track.   

The 12-month bridging facility is structured at 1% per month, with an LTV at 90%.

Samuel commented: "This case demonstrates the critical importance of finding lenders with genuine specialist expertise in niche asset classes. The initial valuation challenges highlighted how crucial proper asset understanding is to unlocking appropriate financing.

"By leveraging our lender relationships with sector expertise, we've not only secured the acquisition funding but are now looking to structure a second tranche to help complete phase one of the lodge development—transforming the site into an operation with a bright future."

Refinance of four BTLs with option agreements in place

Sam secured a £500,000 refinance facility across four BTL residential properties with complex option agreements in place.

The landlord sought to refinance just 50% of the existing debt on the portfolio, but, given the option agreements, it proved a lengthy process to find a lender who would support the deal.

Options agreements give current tenants the right to purchase properties on specified dates regardless of freehold ownership. This effectively limits a lender's control over the asset and fewer providers have the appetite to fund these cases.

A key challenge was finding a lender comfortable with this arrangement. Surprisingly, even specialist lenders typically known for handling complex cases declined the deal.

After weeks of thorough tendering, Sam closed the deal with a relatively mainstream BTL provider who took a pragmatic view on the case and the relatively low LTV, and it was completed at a 2-year fixed rate of 5.54%.

"This case required extraordinary persistence. By understanding the market and being unwilling to give up, we managed to partner with a lender who recognised the value of the deal despite its unusual structure.

“We are not strangers to non-standard requirements at Arc & Co. and are pleased to have the necessary relationships and coverage to assist borrowers in a wide range of circumstances.” 

£607k refinance of a self-build BTL project

For this third case, Sam completed a £607,000 buy-to-let refinance facility for a client who had recently completed a self-build residential development project.

The borrower had originally acquired a house with adjacent land, subsequently obtaining planning permission to construct a second property next door.

After successfully reaching practical completion and securing a tenant, they sought to refinance their existing development loan.

The loan was structured at a 5-year fixed rate of 4.74%, releasing enough capital for the borrower to fund their next project.

Arc & Co. completes pub portfolio funding

Cameron Hayes, Director at specialist capital advisory firm Arc & Co., has secured a loan for a portfolio of 88 long-leasehold pubs in Wales.

The commercial facility, provided by Hodge Bank, will fund the acquisition of the portfolio, which consists of 83 long-leasehold properties, three freehold properties, and two leasehold properties with peppercorn rent.

Despite this being a very granular portfolio, Hodge was able to rely on reporting with Savills, who were already familiar with the portfolio.

Arc & Co. ran a thorough tender process and identified Hodge as the best lender for the client, in terms of pricing and process, securing credit within a fortnight of agreeing formal HOTs.

Given the nature of the assets being long leasehold, let to a strong covenant, there were complex legal requirements, and the deal was successfully completed within three months of initial review, establishing a strong relationship between the borrower and lender.

The loan is structured at a very competitive fixed rate on a three-year term, at 60% LTV.

This deal marks the latest in a series of facilities arranged by Cameron, totalling over £40m, across a mix of residential and commercial, bridging, development and term financing.

Cameron commented:

"A great completion to get across the line for the fund, and a substantial income-producing portfolio, demonstrating Arc & Co.’s expertise in handling a complex refinance in a challenging sector.

“All sides maintained clear communication throughout, ensuring a smooth completion and establishing a solid foundation for the client's future financing requirements.”

Gareth Davies, Senior Business Development Manager, Real Estate Finance at Hodge, commented:

"It’s been a pleasure working with James and Adam at Brew Propco and great to complete another deal with Cameron at Arc & Co.

“As a Cardiff based real estate finance provider, we’re particularly proud to have supported a deal of this scale, investing in pub real estate across South and West Wales.

“Public houses are a key part of the social fabric of many communities, and this deal demonstrates our commitment to the leisure and hospitality sector as well as our support for real estate investment in the region.”

Arc & Co. arranges a £2.2m bridging loan for mixed-use estate

Tom Berry, Director at specialist capital advisory firm Arc & Co., has secured a bridging loan secured against a mixed-use estate in Tunbridge Wells.

The short-term facility will support the client whilst obtaining planning for development of the site, which is made up of a Grade 2 listed manor with C2 consent and several residential properties in the desirable Tunbridge Wells area.

The borrower, a repeat developer client of Arc & Co, secured the loan of £2,212,471 at 43% LTV for 18 months, priced at a competitive interest rate of 0.89%.

The deal progressed smoothly despite the complexity of the mixed-use nature of the property, with completion achieved within a two-month timeframe from initial application.

Tom commented:

"This transaction highlights our ability to secure competitive funding for complex mixed-use properties that might challenge some lenders.

“Working with repeat clients is always particularly rewarding, as our familiarity with their business model and requirements allows us to identify the most appropriate funding solutions as efficiently as possible.”

Arc & Co. and Market Financial Solutions close £26m bridging loan for prime London property

Philip Kay, Director at specialist capital advisory Arc & Co., has completed a bridging transaction of £26m secured against a large prime central London property.

The gross loan of £26m provided by specialist lender Market Financial Solutions will refinance the existing term debt and release a small amount of equity for works that will improve the quality of the finished property.

The borrower is a repeat client of Arc & Co.’s with an impressive background in the property market.

Arc & Co. and the Market Financial Solutions team worked together to fund the deal in just two months, with Philip expertly liaising between the lender and professional parties to ensure a smooth process for the client.

Philip commented:

"This transaction demonstrates Arc & Co.’s ability to pivot quickly when challenges arise.

“When the original funding we had lined up withdrew unexpectedly, our team immediately leveraged our extensive network to secure an alternative.

“Market Financial Solutions has shown excellent appetite and understanding for this asset class and their ability to maximise leverage is an important USP for high-value assets that are seeking to add value or reposition.

“We're pleased to have got this deal across the line for a repeat client, reinforcing our commitment to lasting relationships and understanding the unique needs of property entrepreneurs in an ever-changing market.”

Paresh Raja, CEO at Market Financial Solutions said: 

“We take great pride in handling high-value cases like this, which require a bespoke and tailored approach to lending.

“We understand the unique challenges that these types of projects present, and I’m delighted we were able to provide the necessary support and flexibility that Arc & Co. and their client needed.”

Zahira Fayyaz, Head of Key Accounts at Market Financial Solutions added:

“This was a case that really highlighted how we can look at and solve complicated real estate requirements in an always evolving market. I look forward to continuing our partnership and collaborating on similarly interesting cases in the future.”

Arc & Co. secures £5.85m bridging finance solution with Allica Bank

Marylebone, London

Arc & Co. has successfully arranged a £5.85 million bridging facility with Allica Bank for the acquisition of a prime London asset.

The facility was secured against an office building in Marylebone with planning consent for six luxury apartments. When the borrower was let down at the last minute by another lender, Arc & Co. quickly identified Allica Bank as the ideal funding partner and facilitated an urgent completion within just 18 days.

This transaction showcases Arc & Co.'s expertise in navigating challenging financing situations and tight deadlines, whilst leveraging strong lender relationships. The six-month term was delivered within the required timeframe, allowing the client to proceed with their acquisition plans without delay.

The borrower, who initially met Allica at MIPIM, commented: "In these difficult, uncertain economic times, it was great to deal with a funder who did exactly what they said they would do."

This positive outcome reinforces Arc & Co.'s reputation for connecting clients with reliable financing partners.

Cameron Hayes, Director at Arc & Co., commented: "It's great to get this one funded with Allica. It was imperative that we partnered with a lender that can deliver as execution is key in the current market.

“We're pleased to get another deal across the line with Steve, Jade and the team."

Steve Palfreeman, Business Development Director – Bridging at Allica Bank, added: "This deal is short-term bridging finance at its best. Getting this executed in such a tight timeframe required a real team effort from all parts of the bank, in particular, Jade Lidiard who was the underwriter on this case."

The successful arrangement of this landmark deal demonstrates Arc & Co.'s continued strength in the bridging finance market and their ability to deliver exceptional results for clients, even under challenging circumstances and strict timeframes.

Arc & Co. Celebrates Development Finance Introducer of the Year win at Business Moneyfacts Awards 2025

We are thrilled to announce that Arc & Co. has been named Development Finance Introducer of the Year at the prestigious Business Moneyfacts Awards 2025 for the fourth year running.

The Business Moneyfacts Awards are widely recognised as a benchmark for excellence in the financial sector, celebrating the very best brands in the business finance and commercial finance sectors.

CEO Andrew Robinson expressed his pride in the achievement: "We are honoured to receive this distinguished award. Throughout the past year, our focus has been on strengthening our position as a comprehensive capital advisory firm, delivering end-to-end services to our clients while harnessing the exceptional expertise within our team.

"In the current economic environment, providing genuine, thoughtful advice is essential to secure appropriate funding solutions that address both immediate needs and long-term objectives. We believe this approach is what sets Arc & Co. apart, and we're grateful that the Business Moneyfacts Awards have recognized our commitment."

We would like to extend our heartfelt thanks to all the lenders and funds who have collaborated with us during this period, contributing significantly to our success.

Looking forward, Arc & Co. remains dedicated to maintaining our reputation for broker excellence, pursuing the highest standards in an evolving financial landscape, and strengthening our relationships with all stakeholders.

Arc & Co. structures debt and equity facility for £36m PBSA scheme

Specialist capital advisory firm Arc & Co. has closed a 70% LTV debt package in partnership with Ingenious Capital Management, whilst also sourcing a JV equity investor to support the development of a purpose-built student accommodation project in Tower Hamlets, London.

Southern Grove is developing the 111-bed, £36m GDV scheme in a joint venture with Falco Group.

Andrey Redman, Director at Arc & Co., structured the debt and equity with the Ingenious and Falco teams, respectively, over a period of eight weeks.

Andrey commented:

“It is a pleasure to support ambitious developers who are acquiring and building to provide much-needed homes in the popular PBSA, BTR and co-living sectors.

“Arc & Co. has the necessary expertise and deep relationships to source funding partners that have the right appetite and experience to back these ambitious strategies.

“Our advisory approach ensures that the structuring results in the best possible outcome for the borrower—now and as part of their future business plans.

“We are excited to support all parties as they bring their strategies to fruition.”

The Tower Hamlets scheme will have a gross internal area of 43,249 sq ft, 5,382 sq ft of which will be commercial space. 

Construction is set to begin in Q4 this year.

Southern Grove has ambitions to deliver 50,000 across its living sector brands, with 5,000 planned for 2024 alone.

Arc & Co. and Brickflow agree key partnership

Brickflow, the UK’s digital marketplace for specialist property finance, is pleased to announce its collaboration with Arc & Co., one of the sector’s leading advisory firms. The agreement highlights one of the major benefits of Brickflow as a supplementary finance tool to Broker practices at all levels. Offering top-tier technology to drive strategic lead generation, faster deal management and an elevated customer experience the software will enhance Arc & Co.’s ability to deliver its renowned market leading service at an even greater scale.

Brickflow’s platform will support Arc & Co. in building effective expansion strategies to elevate its brand further; the brokerage will leverage market specific technologies to plug directly into potential customers through its own channels and those of its extensive partner networks. With the help of Brickflow, Arc & Co. will be able to reduce dependency on continuous outbound activity and instead see pipeline growth through the targeted application of Brickflow’s software.

Recognised for their detailed and complex knowledge of market dynamics, Arc & Co. brokers will also be able to expedite the sourcing and application process by combining their deep understanding of the lending landscape with Brickflow’s instant market search functionality. Bringing together 100+ lenders, offering 1,350 products through the collection of 157,000 datapoints, Brickflow’s technology will help validate decision making and provide an immediate data presentation to support the customer’s decision making.

Furthermore, as Brickflow continues to provide solutions across the full capital stack, Arc & Co. will supplement existing relationships with those facilitated by Brickflow. Plugging directly into Brickflow’s exclusive partnership with Deallocker, a digital mezzanine and equity provider, Arc & Co. will be able to seamlessly unlock additional funds for its customers on a per deal basis ensuring that deployment of capital on each transaction is as efficient as possible for the borrower. As a key Brickflow customer, Arc & Co. will also benefit from further tactical relationships to support business growth..

“This partnership aligns perfectly with our commitment to delivering best-in-class financial solutions,” commented Andrew Robinson, Managing Director at Arc & Co. “Brickflow’s technology will enhance our productivity, ensuring clients secure the most competitive financing while reinforcing transparency and compliance across the borrowing process. We have a market leading team in place and are looking forward to seeing how technology can help accelerate our growth trajectory even further”.

Sabinder Robinson-Sandhu Head of Growth at Bricflow said “we’re delighted to have agreed a partnership with Arc & Co. This is a perfect example of a well established brand that is open to harnessing the power of technology to make a great business even better. Arc & Co. have a huge amount of experience and knowledge behind them but recognise they can move faster and with more certainty by using specialist tools in the market. Their support means a huge amount to us and we look forward to making a positive impact on the organisation as we strengthen our partnership in the months ahead.”

As part of the agreement, Arc & Co. have committed to placing set business volumes through the Brickflow platform indicating their support for the system. This is part of a wider tactical move to ensure that lenders supportive of Brickflow benefit from high quality deal flow from across the market.

By integrating Brickflow’s digital capabilities, Arc & Co. continues to set the standard in structured finance advisory, providing clients with a seamless, data-driven approach to securing funding.

Arc & Co. secures £27.5m from Coutts for Ability Group

Specialist capital advisory firm Arc & Co. has recently closed a £27.5m facility to refinance the Bristol Airport Hampton by Hilton Hotel.

The owner, Ability Group, had recently completed a 50-bedroom extension of the property due to high demand and continuous growth.

The 251-bed hotel has been trading strongly following the extension due to its prime location. Being only a 1-minute walk from the Airport terminal makes it perfectly positioned to support the airport’s £300m infrastructure upgrade which commenced last year.

Following instruction from the Ability Group, Arc & Co. undertook a full and thorough tender process to source the best available funding for the client. After multiple offers, Coutts emerged as the partner of choice.

The existing development finance was refinanced onto a five-year loan of £27.5m, significantly reducing the overall cost of debt for the borrower.

Arc & Co. Managing Director Edward Horn-Smith commented:

“It is heartening to see trading levels up and returning appetite from lenders willing to support the hotel sector.

“This is a space we are very comfortable in. I’ve remained heavily involved in asset management programmes as well as funding structures for a variety of hotel and other income-producing assets, ensuring that borrowers are guided through the process in what has been a tumultuous period for businesses.

“It has been a pleasure to work closely with a client whose asset has experienced such success resulting in a positive impact on their cost of debt.”

Anthony Nutkins, Director at Coutts, comments:

“We’re delighted to have supported our client in refinancing their Bristol Airport Hotel, enabling them to be a strong part of the overall airport infrastructure upgrade.

“This deal underscores our commitment to providing tailored financial solutions for high-net-worth clients, ensuring businesses have the flexibility they need to succeed. We look forward to helping our client continue building on this success.”

Arc & Co. secured funding for three unique businesses

At Arc & Co., we understand that finance isn’t one-size-fits-all. While many brokers focus solely on straightforward property transactions, our team is regularly trusted to structure solutions for more complex assets, businesses, and circumstances.

Here are three recent deals completed by Laura Jane McCauley that highlight our expertise in navigating unique challenges and ability to think beyond conventional financing:

1. Acquisition bridge for a hostel in the Peak District. Hostels are non-traditional assets which, like hotels, experience seasonal revenue fluctuations, and the shared accommodation model with a reliance on group bookings make it harder for lenders to assess stable cash flow and long-term viability. However, our client was an experienced finance professional himself with an existing, income-generating first site and with this being his second. Laura arranged an acquisition bridging loan at 70% LTV and 1.09% per month to quickly acquire the site – the client is then immediately refinancing on to a refurb facility to renovate the site into a higher quality asset in time for summer bookings.

2. Eco-glamping and caravan site in Hampshire. With less than 25% of the site occupied by permanent buildings, this project was challenging to finance due to many lenders’ reticence to use land as security. On top of this, the site was already using bridge financing to enhance planning permission, but required a little more time to add further changes. Laura negotiated a competitive re-bridge offer at 50% LTV and 11% per annum, as well as a re-assessment of a valuation after the valuer had missed some critical features of the site. The client was able to receive sufficient funding to refinance the original lender as well as additional funds to continue improving the site.

3. Working capital for a law firm acting on behalf of victims of domestic abuse. The firm required fast and flexible funding to manage cash flow while handling urgent and sensitive cases. Laura secured a tailored facility with an innovative working capital lender that ensured the law firm could continue providing critical legal services without disruption. The facility, currently at £300,000 on a 60-day repayment term with a 2.09% unsecured interest rate per month, can be increased or decreased according to their needs, and was available to them less than two weeks after the initial introduction.

These cases demonstrate our ability to deliver financing solutions for unconventional assets, alternative business models, and unique funding requirements. Whether it’s acquisition bridging, refinancing, or specialist business funding, Arc & Co is here to provide the expertise and flexibility our clients need.

Edward Raynor joins Arc & Co. as Asset Finance Advisor

Specialist debt and equity advisory Arc & Co. has appointed Edward Raynor as Asset Finance Advisor.

Edward has a decade of experience in real estate finance and debt advisory, spanning private debt funds and investment banks.

His career includes roles at Morgan Stanley, private debt funds Birchwood Real Estate and Starz Real Estate, and Eastdil Secured—a US investment bank with a strong European presence.

Edward is well versed in deal structuring and modelling, as well as asset management across multiple classes, including logistics, hotels, offices, self-storage, student accommodation, residential, and life sciences.

Joining the growing Arc & Co. team, which now stands at 22, Edward is looking forward to bringing a solution-driven, data-led approach to the business.

He comments:

“I’ll be leveraging my lending and advisory background to secure optimal financing for Arc & Co. clients.

“Through effective strategy, combined with market intelligence and a commitment to smooth execution, I’m confident that I can add value to what is already a formidable team of advisors.”

Arc & Co. CEO Andrew Robinson comments:

“It’s exciting to announce our first hire for 2025. Edward has the type of proactive mindset we look for, as well as a background that enhances to Arc & Co.’s capabilities and capacity.

“The coming months are set to be very busy, with larger, more complex transactions taking centre stage.

“Edward’s experience in term and development lending at a variety of institutions will be of huge benefit to the business.”

Arc & Co. and Atlas Capital Partners close £59m hotel loan

Arc & Co. has completed a £59m loan with Atlas Capital Partners 

The loan was provided to refinance existing bank debt secured against a UK-wide hotel portfolio.

The flexible commercial facility supports the borrower with funds to enable value-add initiatives over the next 24 months, including various brand enhancements.

The loan is consistent with Arc & Co.'s long track record in sourcing tailor-made solutions via their extensive lender network.

Edward Horn-Smith, Managing Director of Arc & Co., commented:

“The borrower required flexibility to enable them to execute their business plan over the course of the next two years, and that’s exactly what this loan provides.

“Following a short but thorough tender process, we quickly established that Atlas Capital Partners were the right funding partner on this transaction.”

Christoph Nickel, Equity Partner at Atlas Capital Partners, commented:

“This transaction is a good example of Atlas’ ability to provide holistic whole loan solutions.

“Our profound sector expertise in the hotel space and execution skills have allowed us to provide transaction certainty to the sponsor and attractive risk-adjusted returns for our investors.”

Arc & Co. arranges £1.34m expat BTL refinance for London property

Gareth Briggs, Head of UK Residential Mortgages at specialist capital advisory firm Arc & Co., has secured a £1.34m buy-to-let refinance facility for a London property owner who relocated to Dubai.

The process was particularly challenging due to the business being viewed as a Dubai start-up from a lending perspective.

The four-month completion timeline reflected various hurdles, including a significant down-valuation from £2.5m to £2m. Adding to the complexity, a portion of the land was scheduled for sale later in the year, requiring careful structuring of the titles and security. The charge was specifically arranged to cover only the house and existing garden, ensuring a smooth future sale process.

A key challenge was meeting income coverage requirements, as the London property's rental income alone was insufficient. The solution, proposed and navigated by Arc & Co., involved incorporating the borrower's Dubai business income, despite it being in its early stages and currently supported by external investors.

The loan represents a 67% LTV against the property's final valuation of £2m, structured as a 2-year fixed rate at 6.64% over a 20-year term.

Gareth commented:

"This deal required a specialist approach due to its unique circumstances. The chosen lender was the only one comfortable utilising the Dubai business income, despite it being a new venture.

“By carefully structuring the security and navigating the ICR requirements, we've delivered a solution that supports both the client's current needs and future plans for the property."

Arc & Co. completes £26m bridging loan

Specialist debt and equity advisory Arc & Co. has closed a £25.67m bridging loan on a Knightsbridge property.

Secured against a vacant nine-unit residential block, the facility will refinance the existing lender.

The borrower intends to commence trading as a high-end serviced apartment complex within the next year.

The client, introduced to Philip Kay, Director at Arc & Co., by a wealth manager, is an owner-operator of high-end serviced residences in and around Knightsbridge and South Kensington in London.

The loan is for a term of 12 months and at 70% LTV.

Philip commented:

“When dealing with high-value assets, especially in London, expectations around the valuation need to be managed extra carefully.  

“Our job is to source and work closely with a lender who understands the deal and has a genuine willingness to work with the borrower in achieving the required funding.

“Our lender partner displayed a pragmatic degree of flexibility in how they approached the proposition, and we collaborated well to arrive at a successful outcome for all parties.”

Arc & Co. completes £3.4m investment loan for a student asset

Specialist capital advisory Arc & Co. has closed a £3.375m commercial investment loan for the refinancing of a student asset in the Midlands.

The borrower—an experienced investor and developer—approached Arc & Co. to find a more appropriate funding solution to what had already been explored in the market.

Vishal Dixit, Senior Broker at Arc & Co., presented funding options that fit the case and its complexities, which included a complication with the lease structure that required additional legal counsel for the lender to get comfortable.

Vishal commented:

“There is typically a solution for every deal, and the application and case management can make all the difference. We have to advocate for our clients and ensure that lenders fully grasp the proposition.

“Being specialists, we know which lenders will be particularly commercial in their approach to these less straightforward instances. 

“Commercial borrowers, especially, need to work with a broker who understands the market and has the necessary experience to source the right lender.”

The facility is for five years at 73% loan to vacant possession value.

Arc & Co. actively searches for the most advantageous debt and equity solutions by leveraging its extensive network of funders. Our ability to engage with finance providers that are prompt and flexible, as well as competitive in relation to current market demands, continues to provide substantial benefits to our clients.

Arc & Co. secures £10m development loan for 46 houses

Cameron Hayes, Director at specialist capital advisory firm Arc & Co., has secured a loan of £10m for a development in the Midlands.

The peak debt facility of £10m will fund the development of a residential scheme of 46 houses in Derbyshire.

The borrower has PE backing from Angelo Gordon and is emerging as one of the leading national housebuilders.

The primary priorities were pricing and speed, and Cameron conducted a thorough tender to determine the best funding partner for the deal. 

In addition to meeting the client’s expectations around time and costs, the chosen lender’s capacity to look at future opportunities was an important factor, establishing a framework to enable the client to roll multiple peak debt developments into this structure.

The site was purchased from one of the landed estates and required a license agreement with the estate which led the bank and solicitors to carry out an additional level of due diligence. 

The deal took three months to complete and was delivered at 65% LTGDV, with a gross facility of £10m and for a term of 24 months. The deal is inclusive of a peak debt/revolving credit facility of £7m, enabling the client to manage interest costs.

Cameron commented: 

“As this was the client’s first banking relationship, it was vital that we undergo a full market search, comparing terms and returns to the client.

“The lender in question is reliable and meets not only the current requirements of this emerging national housebuilder, but can support future opportunities, too. 

“It’s our job to ensure that communication and processes run smoothly, paving the way for a successful borrower-lender relationship going forward–and we have achieved that. 

“We look forward to working closely with the housebuilder on their journey to deliver 1000+ units over the next 18 months.”

Arc & Co. secures €11.1m in complex French bridging deal

Arc & Co. has completed a €11.1m bridging loan on two chalets and land with planning in a mountain resort in France.

The client was introduced to Arc & Co. CEO Andrew Robinson via a wealth manager, a strong origination channel for the firm.

Andrew originally worked with the borrower a year ago on a bridging loan to secure the land surrounding the chalets. Since then, planning has been achieved, and the land has now been valued at £28m—ready to be sold for development into a hotel.

Andrew sought a lender to refinance the existing bridge, therefore allowing the borrower time to sell.

Critically, the finance provider was required to consider the independent value of both of the chalets as well as the land with planning.

Andrew commented:

“This was one of the more difficult points to cover as not many lenders in the location would look at both values. We had a 75% day-one on the current residential usage but combined with the residual land value of the hotel, the LTV came down to 40%.”

Specialist bridging lender Brydg was selected as they have the requisite local market knowledge and capabilities to understand the structure—which was imperative to get the deal closed. The client had changed the structure from a Luxembourg holding company to a French SCI which added complexity during underwriting.

For added comfort, Andrew negotiated for Brydg to have a ‘golden’ share in the French SCI to enhance their security on the loan structure.

The €11.1m loan was completed in six weeks from signing and was priced at 1% pcm.

Andrew stated:

“Due to the valuation, structure, and location, there were not many lenders that would consider this deal—it was very specialised.

“The French legal system is complicated, and it was a challenge working with a raft of lawyers and notaries. Communication was key, so all-parties calls had to be held at least weekly so we could manage the process to completion.

“Our experience and in-depth lender relationships means that we can step in and assist with international cases, providing the necessary case management to keep all aspects moving.”

Arc & Co. partners with specialist international agents MyElysium

We are pleased to announce that Arc & Co. has joined forces with MyElysium—providers of comprehensive services to clients wishing to buy property and relocate to Cyprus, buy a holiday home, or move a business from the UK to Cyprus. 

Arc & Co.’s extensive experience working with non-dom clients and those wishing to invest internationally makes us the perfect specialist broker partner for those considering property investment in Cyprus.

We are experts in navigating the intricacies of lending across multiple jurisdictions, ensuring you can secure the best solutions whether your assets are based in the UK or abroad. We are familiar with the various structures often required, from holding companies to trusts, and can guide you through the most suitable lending options tailored to your needs.

Who are MyElysium?

MyElysium are estate agents in that they sell property in Cyprus, but they are so much more than that. From initial enquiry they will take a personal interest in your hopes and aspirations and will guide and support you to acquire a holiday home, main residence, or even to relocate a business and its employees to the beautiful Mediterranean island of Cyprus.

The team – Ian Davies, Stephen Parsons and Grahame Clist – have been connected professionally for around 40 years and have many decades’ experience in International and UK property sales. They set up MyElysium in 2023 to add value to the significant number of UK investors, retirees, second home and business owners currently moving to the country in light of the taxation and lifestyle benefits. 

MyElysium offers a bespoke personal service not only assisting with property searches but also introductions to hand-picked professionals such as trusted solicitors, surveyors and accountants, as well as support with all matters relating to immigration and relocation.  

Why is Cyprus such a popular destination for UK buyers?

1. Cyprus and UK have strong ties, making adapting to life there very easy 

2. GDP is expected to reach 3.5% for 2024, house prices increase at around 14%, and inflation is at approximately 2%

3. 60-day Rule – you can become a Cyprus Tax Resident by spending just 60 days a year in Cyprus

4. Residency by investment – purchasing property can qualify you for permanent residency, offering access to healthcare and education

5. No Capital Gains Tax – no capital gains tax, except on the sale of immovable property located in Cyprus

6. 5% flat tax rate on pensions – retirees benefit from a flat tax rate of 5% on pension income

7. Extensive double taxation treaties – Cyprus has established double taxation treaties with over 60 countries

8. Favourable personal tax regime – enjoy a tax-free personal income up to €19,500, with no wealth, inheritance, or gift taxes

9. Tax-Free dividends and interest – dividend, interest, and rental income are exempt from SDC tax

10. Legal system is based on UK principles, ensuring a smooth transition from a conveyancing and/or business perspective

11. Business-friendly environment – low operating costs, a skilled workforce, and modern infrastructure make Cyprus attractive for business

12. Excellent healthcare providers – numerous specialist new hospitals, clinics and surgeries await, often with same/next day services

Through the Arc & Co. and MyElysium partnership, you can tap into a combined wealth of guidance and advice relating to property investment abroad, including:

• Local laws and regulations – property laws, taxation, residency requirements and mortgage regulations

• Foreign exchange risk associated with fluctuations if the mortgage or payments are in a foreign currency

• Legal and tax implications - local property taxes, stamp duty, capital gains tax, and inheritance tax

• Local market dynamics - property market conditions, including typical property values, growth trends, and risks in the local real estate market

• Market-specific fees - notary fees, legal fees, and surveyor costs

• Financing terms and eligibility criteria - compare the terms and interest rates offered by international lenders, considering fixed vs. variable rates and early repayment conditions, and differences in lending practices for non-residents

• LTVs and deposit requirements - deposit requirements can be significantly higher for foreign buyers.

• International credit considerations - using a credit score or financial history from one country in another; some international lenders who recognize global credit histories

• Exit strategies - implications of selling the property, including costs, taxes, and repaying the mortgage early, as well as contingency plans

• Political and economic stability - the stability of the country and its potential impact on property prices, exchange rates, and mortgage terms

Whether you’re considering a move, seeking rental income, or looking to invest, we’re here to help you maximise your opportunities in Cyprus and here in the UK.

Angeline McGeary

Specialist Mortgage Advisor

angeline@arcandco.com

07702 745 522

Stephen Parsons

International Sales Director

stephen@myelysium.co.uk

07740 735 144