Contact

Good deals are built on quality conversations.

We talk, we listen and we really get to know what makes your clients business unique, so that we can create solutions that work for them. Once a deal has been established, the conversations continue. Your clients can expect outstanding personal service throughout the lifetime of their loan and beyond. To get an idea of how we could help your clients, take a look at some of the deals we’ve shaped through our broker partners, and given the green light to.

South wales valley

South Wales Valleys

A longstanding childcare home service provider in the South Wales Valleys came to us for assistance in refinancing six of their existing residential properties. The funding provided the customer with a substantial amount of funds which they are hoping to use as contribution towards future property purchases as well as some funds to refurbish and enhance the properties.

Loan type: Residential Investment
Loan amount: £1.152m
Loan term: 15 years
LTV: 73% VP, reducing to 70% within 12 months

Cardiff homes

Cardiff

An experienced property investor required
funding to refinance a block of eight flats
following the purchase and refurbishment of the
flats. The flats were refurbished to a high

Loan type: Residential Investment
Loan amount: £171k
Loan term: 30 years
LTV: 70% MV

Swansea

Swansea

A portfolio of four residential properties, all used to provide care services were refinanced by the Bank on an owner-occupied basis. The customer wanted a long-term commitment from their funding provider to remove the additional administration and fees of their existing funder who only provided a term of 3-5 years.

Loan type: Residential Investment
Loan amount: £900k
Loan term: 25 years
LTV: 65% MV

Caerphilly

Caerphilly

We helped with the purchase of a mixed-use investment property housing, four retail and one residential unit. Securing the finance meant a potential development opportunity on the land adjacent to the site.

Loan type: Commercial Investment
Loan amount: £245k
Loan term: 25 years
LTV: 52% MV

Portcawl

Porthcawl

A customer wanted to refinance their mixed-use office and retail block with two existing clients. Our finance allowed them to repay their existing development loan which was due to expire as well as repay other investors within the business.

Loan type: Commercial Investment
Loan amount: £750k
Loan term: 20 years
LTV: 65% MV

Merthyr

Merthyr

We released funds for a customer on two mixed-use properties, both used primarily as residential units. The funds have allowed our customer to focus on a new residential development project that will then also be refinanced by the Bank on completion.

Loan type: Commercial Investment
Loan amount: £690k
Loan term: 20 years, 12 months interest only
LTV: 65% VP

North Wales comm

North Wales

An existing customer returned to the Bank for the purchase of their second care home in the North Wales region. We structured funding that worked for them from our knowledge of the existing relationship with the Bank.

Loan type: Commercial Investment
Loan amount: £260k

Loan term: 25 years
LTV: 70% MV

Cardiff 2

Cardiff

A Grade II listed hotel in the capital city had rooms and facilities refurbished, allowing expansion to their operations thanks to funding from the Bank. They were able to refinance the property to release equity from us after being refused by their existing High St funder who they’d been banking with for numerous years.

Loan type: Commercial Investment
Loan amount: £3.6m
Loan term: 25 years, 2 years interest only
LTV: 60% MV1 / 80% MV3

Swansea comm

Swansea

A customer was able to purchase a large office block through shared acquisition of a company. The property was let to multiple tenants on short-term leases and licenses however we were happy to review the individual’s circumstances and provide funding to suit their needs.

Loan type: Commercial Investment
Loan amount: £1.425m
Loan term: 15 years
LTV: 60% MV

Gym port talbot

Port Talbot

We helped a customer purchase a large-scale gym building on an investment basis. The customer who has experience in the sector purchased the gym with other units attached making for an investment we were happy to work on them with.

Loan type: Commercial Investment
Loan amount: £375k
Loan term: 15 years
LTV: 55% MV

South wales comm

South Wales

Our customer had multiple care homes in a variety of locations across the south of Wales. We were able to refinance these care homes for them, which supported their business strategy, including an MBO, with the funding incorporating debt forgiveness from their existing funder.

Loan type: Commercial investment
Loan amount: £5m

Loan term: 15 years
LTV: 35% MV1 / 73% MV3

North Wales holiday

North Wales

A customer purchased a holiday let property to add to their existing property portfolio. The property included five self-contained residential units and a convenience store. We were happy to support the customer in this unique purchase within a picturesque location.

Loan type: Holiday lets
Loan amount: £260k
Loan term: 30 years
LTV: 63% MV

Cardiff refurb

Cardiff

Our ex-pat customers came to us via their broker with the ambition of repaying an existing refurbishment debt that was used to complete five individual flats. The customers were able to create a long-term funding package giving them some stability in their portfolio.

Loan type: Refurbishment loan
Loan amount: £261k
Loan term: 30 years
LTV: 60% MV

What our brokers say

“...Thank you for your assistance on the recent deals that we have completed together and also those that are ongoing. My clients really appreciate the flexibility and creativity that the team apply to get deals through, and this is reflected throughout the Bank. Always looking to find the positive unlike some other funders who appear to look for obstacles.  Please pass on my thanks to your entire team.”

Simon Harrison, Flexible Commercial Funding

Download our Wales deals brochure

Let’s talk

Interested in learning how we can help your customers?
Get in touch with our dedicated regional team using the details below:

Andrew Arnold, Relationship Manager:

 07483 057 890

Paul Howard, Regional Director:

 07710 304 204

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