Completed transaction
£1.7m strategic industrial investment
Southall, London
Owner-funded bridging finance supporting the acquisition of a strategically located freehold industrial investment with strong income and long-term redevelopment potential.
£1.7m Facility • 42% LTV • First Charge • 6 Month Term
Transaction overview.
The opportunity
Funding a strategic industrial investment with future redevelopment potential.
The borrower required a £1.7 million owner-funded bridging facility to acquire a freehold industrial investment in Southall, West London.
The property generated an existing rental income of £240,000 per annum while also offering significant long-term redevelopment potential. Positive pre-application feedback from the local authority indicated the opportunity to redevelop the site into a substantial mixed industrial and office scheme, providing both immediate income and future value creation.
Our approach
Looking beyond today’s income.
Our assessment considered more than the property’s existing rental income.
The site’s strategic West London location, freehold ownership, strong transport connectivity and redevelopment potential provided compelling security. The existing tenancy generated immediate income, while the landlord’s break option offered additional flexibility to pursue future redevelopment opportunities.
With lending at approximately 42% loan-to-value, the transaction provided a highly conservative security position while enabling the borrower to complete the acquisition with confidence.
As an owner-funded lender, decisions were made directly by the people providing the capital, allowing a commercially focused approach to a more complex investment opportunity.
Outcome
Supporting the acquisition of a strategic commercial asset.
The completed £1.7 million facility enabled the borrower to acquire a £4.01 million freehold industrial investment with immediate rental income and significant long-term redevelopment potential.
The transaction demonstrates our ability to support borrowers acquiring assets where value is driven not only by existing income, but also by location, planning potential and future asset enhancement opportunities.
Transaction highlights
- £1.7 million facility
- £4.01 million property value
- 42% LTV
- Freehold industrial investment
- Existing rental income of £240,000 p.a.
- Strategic West London location
- Redevelopment potential
- First Charge security
- 6-month facility
Why we backed this opportunity.
Strategic location
Positioned in Southall, West London, the property benefits from excellent access to Central London, Heathrow Airport and the M4 corridor, making it an attractive long-term commercial location.
Multiple value drivers
The asset combined immediate rental income with positive planning feedback for a future industrial and office redevelopment, providing multiple avenues for long-term value creation.
Conservative lending
A 42% loan-to-value ratio provided a strong security position against a high-quality freehold commercial asset.
Commercial decision-making
We assessed the transaction on the overall strength of the asset, its existing income, strategic location and future redevelopment prospects, delivering a pragmatic owner-funded lending decision.
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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