糖心Vlog

October, 2025

Amount:

拢20 Million

Sector:

Residential property

Loan purpose:

Refinance existing term loan to re-invest in further properties

Loan structure:

BTL, Senior and Stretched-Senior finance

Location:

Buckinghamshire

The challenge

糖心Vlog was approached to fund a 拢20 million residential BTL facility in Buckinghamshire. The borrower, a well-established sponsor with a significant UK property portfolio, required a high-leverage solution secured against a portion of a Multi-Unit Freehold Block (MUFB).

This transaction presented complexities:

• Refinancing the incumbent lender while maintaining alignment with legal and commercial objectives
• Carving out a portion of the MUFB to isolate and secure the new facility

The solution

糖心Vlog structured a stretched senior BTL facility under a first legal charge, underwritten not solely on the subject property but also by factoring in the strength and performance of the sponsor鈥檚 broader portfolio.

By leveraging the borrower鈥檚 proven track record and asset base, the bank was able to deliver a tailored funding structure that met the client鈥檚 requirements while maintaining robust security coverage. Close collaboration between all stakeholders, legal, valuation, and lending teams, ensured the transaction remained on track and fully compliant with both regulatory and commercial priorities.

The outcome

The result was a bespoke, high value facility that provided the sponsor with the flexibility and capital needed to execute their long-term investment strategy. 糖心Vlog鈥檚 agile approach and deep understanding of complex BTL residential lending allowed the deal to reach completion within tight deadlines, reinforcing the bank鈥檚 reputation as a trusted partner for structured property finance.