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Helping Investors Grow in the Assisted Living Sector

Loan Amount

£1,306,800

Loan Term

19 Years

LTV

64%

Project Background:

Our client, an experienced property investor, needed to secure a Buy-to-Let mortgage against four HMO properties valued at £2,055,000. These properties, tenanted by a supported housing company, provide accommodation for individuals with learning difficulties, mental health issues, autism, and other social care-related needs.

Our client wanted to release equity from two of the HMOs to form a deposit to purchase and transfer the other two properties from personal ownership into a limited company.

Challenge:

The investor required a flexible financing solution to unlock capital while also facilitating the transfer of property ownership. Given the nature of the properties and their use for supported housing, it was essential to find a lender with both sector expertise and a willingness to consider non-standard investment structures.

Solution:

Working closely with Redwood Bank, we were able to secure a £1,306,800 loan at a 64% LTV ratio. The deal featured a 19-year interest-only term, starting with a five-year fixed rate of 6.49%.

Redwood Bank’s understanding of the assisted living sector and willingness to offer tailored financing ensured that our client could move forward confidently with their business plans.

Outcome:

With the funding in place, our client successfully completed the property transfer and set themselves up for continued growth in the assisted living sector. They especially valued Redwood’s flexible, hands-on approach and the chance to meet virtually with the lending team to discuss their vision and address any challenges upfront.

This case study is a great example of how collaboration and expertise can make financing even complex property portfolios possible.