Completed transaction
£782k prime mixed-use investment
Guildford
Owner-funded bridging finance supporting the acquisition of a prominent freehold mixed-use investment in the heart of Guildford’s High Street.
£782k Facility • 51% LTV • First Charge • 6 Month Term
Transaction overview.
The opportunity
Funding a landmark mixed-use investment in a prime High Street location.
The borrower required a £781,950 owner-funded bridging facility to acquire a prominent freehold investment on Guildford High Street.
The property comprised two ground-floor retail units with office accommodation above, creating a diversified commercial asset in one of the South East’s strongest retail destinations. Three new commercial lettings provided immediate income while offering long-term investment potential.
Our approach
Looking beyond today’s income.
Our assessment focused on both the quality of the underlying asset and its long-term investment fundamentals.
The property’s prime High Street position, freehold ownership and diversified tenancy profile provided strong underlying security. The independent valuation also identified estimated market rental growth beyond the initial passing rent, reinforcing the investment’s future potential.
With lending at approximately 51% loan-to-value, the transaction provided a conservative security position while enabling the acquisition to complete with certainty.
As an owner-funded lender, decisions were made directly by the people providing the capital, ensuring a straightforward and commercially focused lending process.
Outcome
Supporting the acquisition of a premium commercial investment.
The completed £781,950 facility enabled the borrower to acquire a substantial freehold mixed-use investment in one of Surrey’s premier commercial locations.
Backed by diversified commercial income, strong occupational demand and future rental growth potential, the transaction demonstrates our ability to support borrowers acquiring high-quality investment assets with clear long-term value.
Transaction highlights
- £781,950 facility
- £1.545m property value
- 51% LTV
- Mixed-use freehold investment
- Prime Guildford High Street
- Two retail units
- Office accommodation
- Diversified commercial income
- Rental growth potential
- First Charge security
- 6-month facility
Why we backed this opportunity.
Prime High Street location
A prominent freehold property on Guildford High Street, benefiting from strong footfall, established national retailers and excellent transport links.
Diversified income
The property combines two retail units with office accommodation above, providing multiple commercial income streams within a single freehold investment.
Future rental growth
The independent valuation assessed a market rental value of £144,000 per annum, compared with an initial passing rent of £128,000 per annum, highlighting further income growth potential.
Strong security
A conservative 51% loan-to-value ratio, supported by a first legal charge, debenture and personal guarantee, provided a robust lending position while enabling the borrower to complete the acquisition.
Every opportunity is assessed on its own merits.
This completed transaction is provided as an example of the types of opportunities we support. Every enquiry is assessed individually, taking into account the security, borrower, exit strategy and overall commercial merits of the transaction.
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