Lending
Independent lending advisory beyond traditional banking constraints
Optimising your balance sheet requires debt structuring that is as rigorous and considered as your investment strategy. By comprehensively understanding your unique income structure and asset base, we secure flexible, competitive financing designed to preserve your liquidity and enhance your capital efficiency.
We partner with entrepreneurs, executives and family offices to deliver highly tailored lending solutions.
We act for borrowers, not banks
High-value lending is a specialist discipline.
Our role is to secure the most appropriate facility for your circumstances, present your application effectively and coordinate the professionals required to complete the transaction.
The lending appetite of individual banks shifts constantly. Knowing which institution suits your profile, and which representative within that institution to approach, determines the outcome. Our lending team has worked at many of these institutions. That experience is invaluable in navigating the process.
Real Estate Finance
UK Mortgages
Licensed by the FCA to advise on residential mortgages, we navigate the private bank and specialist lending market to accommodate complex, high-value requirements. Our lending team ensures your application is precisely structured and positioned with the most appropriate lender.
Buy-to-Let and Portfolio Finance
A wider market of global banks and specialist funds participates in investment property lending. We frequently reduce borrowing costs or secure additional leverage by reviewing existing arrangements and identifying more appropriate lenders.
International Mortgages
Finance secured against properties outside the UK. We arrange funding in the UAE, Ireland, France, Spain, Italy, Germany, Switzerland, Monaco and the Channel Islands.
Property Development
Funding at all stages of a development: site acquisition, construction and exit through sale, stabilisation or long-term refinance. VAR Capital investors also provide equity for joint ventures alongside experienced developers.
Commercial Property
Finance for owner-occupied and investment properties across office, retail, industrial, hospitality, student accommodation, retirement living and healthcare sectors. Commercial property funding often forms part of a wider corporate finance solution.
Bridging Finance
High-value bridge loans secured against all property types. When a requirement cannot be accommodated by our trusted lending partners, we look to provide the loan ourselves.
Secured Finance: Non-Real Estate
Luxury Asset Lending
Marine and aviation finance for borrowers and assets based in most jurisdictions. Funding secured against art collections, jewellery, vehicles and other luxury assets, often available within days.
Securities-Backed
Institutional-rate funding secured against investment portfolios held with selected custodians. Single-line stock positions, including digital assets, can be leveraged or monetised through banks and specialist lenders.
Related Case Studies
CIO Rajat Sharma’s market predictions for 2020 published in Hedge Magazine
NewsVAR Capital Co-founder and CIO Rajat Sharma, along with other top investment managers, shared their market predictions for 2020 with the Hedge Magazine. A summary of the article: Rajat Sharma: We expect both equity and bond markets generating considerably lower return alongside higher volatility further amplifying overall market uncertainty. We are underweight High Yield Bonds, ...
Rajat Sharma | VAR Capital CIO, Shares Insights In Leader’s List
NewsOur CIO and Co-Founder, Mr Rajat Sharma was recently interviewed by Citywealth. In a 60-second piece interview he illustrated his role and challenges in the industry. Full interview published on Citywealth, read more here You can also read the article below: VAR Capital is an independent financial services firm offering asset management, lending and family office ...
What Our Clients Say
"VAR Capital managed the entire process. They knew exactly which banks to approach and how to present our application. The result was better terms than we expected and far less time spent on our side."
Property Investor