"It has been truly rewarding being able to support and deliver on this bespoke deal, especially having the capacity to efficiently meet the client’s needs and expectations with no compromise in such a short period of time"
- Paul Debney - Karis Capital
Real estate debt advisory Karis Capital has completed a £5.5 million refinancing for a prominent property investor, helping secure a commercial investment loan for a large South East London portfolio.
The tailored financial solution enabled the client to move from a high street lender to a challenger lender, unlocking more flexible terms. This allowed the investor to raise additional capital and fund further acquisitions, expanding their portfolio significantly.
The returning client, an established property investor and landlord, required a bespoke facility to accommodate a 10-unit portfolio. Two units are operated directly by the client, while the remaining eight are let through an Operating Company and Property Company (OpCo-PropCo) structure.
Karis Capital’s director of commercial finance, Paul Debney (pictured), curated a facility that met the client’s specific needs. The refinancing covered two pre-existing loans: one under an OpCo-PropCo arrangement and the other a commercial investment loan.
Debney sourced a lender that provided full approval for an interest-only loan within seven days. The OpCo-PropCo refinancing was completed in four weeks, with the commercial investment facility finalised in six weeks.
"It has been truly rewarding being able to support and deliver on this bespoke deal, especially having the capacity to efficiently meet the client’s needs and expectations with no compromise in such a short period of time," noted Paul Debney, director of commercial finance at Karis Capital.
He added, "The client came to Karis as a returning investor, placing full faith in us that we would be able to fulfil their request without exception, trusting us to prioritise their long-term financial strategy when it came to expanding and strengthening their commercial portfolio.
"This deal holds testament to the extensive business relationships that we nurture from start to finish at Karis Capital, working quickly and effectively with each investor to achieve their goals, no matter how challenging or complex."
