Debt, treated as one position.
We do not segment the work. A client's residential, commercial, business and asset finance positions are read together, structured together, and reviewed together. We take a mandate and execute across the whole position, for the life of the relationship.
Residential mortgages.
Owner-occupied, investment, refinance and bridging. We approach a residential position the same way we approach a commercial one: lender selection driven by the structure of the borrower, not the campaign rate on offer.
A residential facility is rarely the whole conversation. It is usually the visible piece of a position that includes a business, an investment property, or both. We hold the whole position in view from the first meeting.
Commercial property finance.
Office, industrial, retail and specialised property finance. We work to a brief: target structure, target lender, target margin. Term sheets are negotiated, not received.
Covenant packages are reviewed line by line before any binding signature. Where the bid is competitive, we use that competition to soften covenants rather than chase margin, because a covenant is what hurts you on a bad quarter, not a basis point.
Business debt.
Working capital, acquisition and growth facilities for operating businesses and family offices. We start from the cashflow profile and the use of funds, not the product. The right facility is the one that matches the way the business actually breathes.
Where a position spans business, property and personal debt, we coordinate the whole stack. The shareholder, the operating entity and the holding company are not separate conversations.
Asset finance.
Equipment, fleet and specialist asset funding for businesses and operators. Arranged across panel and direct lenders. We hold the terms to the use of the asset, not the seller's preferred financier.
Asset finance is often where a client first feels squeezed by the bank-process. We absorb that process, work it directly, and present a clean position back.
Two things sit across all four areas.
The work does not end at origination. Every debt and capital allocation decision, across the balance sheet, for the long term.
Before any facility binds, the covenant package is walked through with the borrower. Through the life of the facility, we sit on the borrower's side of the bank-process when it counts.