Lending & Bridging Finance
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 your tailored requirements. We ensure your application is structured and positioned with the most appropriate lender.
Buy-to-Let Portfolio Finance
A wider market of global banks and specialist funds participates in BTL lending. We frequently reduce borrowing costs or secure additional leverage by reviewing existing arrangements and identifying more viable solutions.
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 supporting cross-border propositions.
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.
Bridging Finance
High-value bridge loans secured against all property types. When a requirement cannot be accommodated by our lending partners, we look to provide the loan ourselves.
Commercial Property
Finance for owner-occupied and investment properties across office, retail, industrial, hospitality, student accommodation, retirement living and healthcare sectors. Traditional and wholesale funding lines available.
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.
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VAR directly funds a £3.5m land loan to unlock its development potential
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