UK real estate finance
RELiable capital.RELationship focused.RELentless in execution.
REL Finance is a privately capitalised UK real estate lender providing senior loans, mezzanine loans and joint-venture equity. We work directly with sponsors, investors and entrepreneurs to structure flexible short-term funding around each asset, business plan and timetable.
REL Capital
Strategic capital solutions built on trust, speed, and certainty of execution.
Loan sizes up to£0m
Tenures up to0 months
Loans completed
£0mCompleted lending across UK real estate transactions.
Average LTV
0%Average loan-to-value across selected facilities.
In-house capital
In-houseDirect capital with decision makers close to each transaction.
Why REL Finance
Capital structured around the transaction, not a template.
REL Finance provides capital across senior, mezzanine and JV levels to strong counterparties across major UK cities and real estate asset classes.
Relationship focused
We take a relationship-based approach and build bespoke funding solutions around the specifics of each transaction.
Commercial decision making
Our evaluation process applies a commercial lens at the forefront of every deal we underwrite.
Minimal execution risk
REL Finance uses its own capital, so borrowers speak directly to decision makers without complex committee overlays.
Products
Capital structures
Funding is focused in the UK across all major cities and real estate asset classes, with a sector-agnostic approach and case-by-case evaluation.
Senior Loans
A flexible and reliable senior facility provided directly by REL Finance, with a first charge over the property and competitive leverage.
Loan Amount£3,000,000 – £40,000,000
LTV / LTCUp to 70%
TenureUp to 24 months
Mezzanine Loans
Second-charge capital for borrowers seeking higher leverage points, structured alongside institutional senior lenders where appropriate.
Loan Amount£1,000,000 – £10,000,000
LTV / LTCUp to 80%
TenureUp to 24 months
Joint Venture Equity
Preferred-equity style JV funding for experienced developers and investors who need flexible capital to progress their business plan.
Loan Amount£1,000,000 – £8,000,000
LTV / LTCUp to 95% LTC
TenureProject dependent
Selected transactions
Structured facilities across prime and complex UK assets.
Latest deal
City of London
Office Acquisition Loan
Loan£25,000,000
Term24 months
LTV71.5%
Later living
Greater London
Sales Exit Loan
Loan£16,700,000
Term18 months
LTV74%
Pre-construction
Uxbridge
Pre-Construction Loan
Loan£8,200,000
Term12 months
LTV59%
Co-lend acquisition
City of London
Office Acquisition Loan
Loan£16,600,000
Term18 months
LTV75%
Insights
Latest news and announcements
CASE STUDY
OakNorth and REL Finance deliver £48m loan for City of London office-to-hotel conversion
Bridging & Commercial covers OakNorth and REL Finance completing a £48m double co-loan to JMK Group.
Read insight →NEW
Elysian Residences Secures £16m Co-Development Loan
OakNorth Bank and REL Finance provided financing to support delivery of additional later-living homes.
Read insight →Have a funding requirement?
