Residential
Investment Loan

Behind every great building,
there should be a great lender
From concept to completion,
we’ve got you covered.

Residential Investment Loan

Loan Size
£2m - £50m
(larger loan amounts are available on application)
LTV
75%
Interest Rate
From 4.9%
Interest Service
Interest Only & Repayment offered
Interest Coverage
125%
Term
3-5 years Fixed

Asset Classes.

Residential
Build-To-Rent
Purpose-Built Student Accommodation
Co-Living
Senior Living

Financing Residential Investment Strategies

Impera works with real estate investment companies to fund the acquisition and refinance of residential properties. We have successfully arranged funding for Buy-To-Let property portfolios, Build-To-Rent assets and Purpose-Built-Student-Accommodation.

Our client base includes institutional investors, SME sized investors and family offices. We understand the nuances of operational assets and work with funding partners who are equally adept at underwriting those real estate risks.

Investment Loan
Case Studies

Residential Investment Loan
Location
Northwest London
Asset Class
Residential
Strategy
Portfolio Acquisition
Portfolio Value
£35m
Loan Amount
£24.5m
Investment Loan
Location
East London
Asset Class
Residential
Strategy
Investment/Portfolio Refinance
Gross Development Value
£30m
Loan Amount
£19m
Investment Loan
Location
North London
Asset Class
Residential
Strategy
Private Rented Sector
Gross Development Value
£9.5m
Loan Amount
£5m

Funding Universe.

Screening for the Right Capital Solution

Number of Lenders

There are approximately 400 property lenders in the UK across clearing banks, challenger banks and private debt funds. Impera provides its clients with access to a panel of 150 lenders for our typical funding requirements.

Data-Led Approach

We focus on understanding each lenders covenants, use class preferences and general risk appetite. A consequence of this approach is that we can get to the right lender for your property funding requirement in a timely manner.

Residential Investment Loan Providers

Clearing Banks
Private Banks
Challenger Banks
Building Societies

Residential Investment Loan

Lending Criteria.

Property Types
Apartment Blocks, Student Accommodation, Single Family Houses, Houses in Multiple Occupation
Borrower Types
UK Corporate Borrowing Entities, Partnerships, Individuals
Security
1st Legal Charge over the property, Debenture over the borrower, Personal or Corporate Guarantees, Other security as required
Tenure
Freehold, Long Leasehold

Funding Locations.

Regions
London & Southeast
Midlands
Northwest
Northeast
Major Urban Hubs across the UK
Bristol
Birmingham
Leicester
Nottingham
Sheffield
Manchester
Leeds
Newcastle
Glasgow
Edinburgh
Belfast
Please note, secondary and tertiary locations can be funded.

Funding Process.

Our aim is to simplify the way you fund your real estate projects
Application
Get an idea of the funding you can achieve and receive terms within 24 hours
Indicative Terms
Impera delivers several funding options based on your project's characteristics
Due Diligence
We submit detailed project analyses to support the lender’s underwriting
Credit Approval
Once funding is approved, we move quickly to coordinate the instruction of legal and property professionals
Legal Execution
We establish a funding timeline, facilitating collaborative all-parties calls to support the process

Impera’s Approach
to Capital Advisory

Procurement of Finance
We procure the most competitive development loan solutions and junior capital partners.
Structuring
We take full responsibility for ensuring our client’s development loan reaches a successful completion by adopting a project management approach.
Execution
We approach the deal by assessing and providing advice on the capital stack, not just the required debt.
Capital Advisory
Impera is a long-term capital advisory firm and works alongside property development firms to help them grow over the medium to long term.

Client Testimonials.

Impera have advised Square Bay on all parts of the capital structure, debt and equity. A highly professional team with good technical knowledge.
Will Page
Director
Square Bay
Impera have a really sound understanding of funding ‘Living Sector’ assets. We have been proud to partner with them in recent years.
Archer Bishop
Director
Bristol Bay Capital
Impera have advised Glencar for senior debt capital advisory purposes. The company has a pragmatic and process driven approach to getting things done. We would highly recommend Impera to other property investors without hesitation.
Ricky Levenston
CIO
Glencar Property
Impera have a deep understanding of all parts of the capital stack. I have no hesitation in recommending the company wholeheartedly to anyone looking for advice on funding their next property project.
David Higson
Head of Property
Blackfinch Property
Impera have always gone beyond the call as a broker. Their advice, support and counsel during difficult parts of the process has been immeasurable.
Michael Donkor
Investor
McCapita Investments
In an ever-changing real estate finance market, we realise our client’s time is finite. Impera curates and analyses the best funding solutions for property investors and developers.

Impera is a real estate capital advisory firm that sources, arranges and executes funding across the capital structure for a wide array of clients. We have proudly served our clients for nearly a decade, executing more than £500m across debt and equity solutions.

The Long-Term Capital Partner

At Impera, we do our best to source the most reliable funding partners for bridging finance. We are data led and carefully assess each lender’s track record and most importantly their capital base. This is critical in a marketplace with an increasing number of lenders launching monthly.

The complexity with bridging finance is ensuring that the business plan for your property is presented well and substantive. At Impera, we know each bridging lender’s appetite for a given asset class and real estate strategy.

Explore Our Extensive Lender Network

At Impera, we work with a vast array of funding partners from clearing banks to specialist lenders and private family offices. Each real estate project is unique, and some require a more tailored solution. Therefore, we take the time to assess as many lenders as we can, so we can deliver the right solution to each funding enquiry.

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