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Whitehall Lending

Bridging The Gap.

BridgingDevelopment

Max LTV

75%

Interest from

0.79% pcm

Loan size

£200,000–£20m

Term

3–24 months

Charges

1st and 2nd

Areas

England and Wales

Who they are

Whitehall is a specialist finance provider dedicated to strategic investments in the real-estate credit sector. Our focus is on delivering tailored lending solutions on residential and commercial real-estate, including developments within England and Wales. Our funding set up helps us be swift and flexible in meeting our client’s needs, enabling us to provide terms in less than 24 hours and deploy funds in less than a week. This has helped establish our strong reputation, built on clear, open and honest communication throughout the loan process.

Their ethos

As opposed to many of our peers, we are self-funded and do not fully rely on external credit lines, thus allowing us to be in control of every aspect of our value chain. By providing access to finance, we play a key role in maintaining liquidity in the housing market and supporting SMEs, who are crucial in sustaining the real economy and ultimately resolving England’s housing crisis. Furthermore, many of our loans are specifically for works to achieve a higher energy performance certificate rating, ultimately supporting the transition to net zero and reducing tenant bills.

What they specialise in

We specialise in bridging and development short-term financing, including complex ownership structures involving foreign nationals or entities willing to invest in the British real-estate market.

Meet the team

Anthony Bodenstein

Managing Director

anthony@whitehalllending.com

Gabriele Pascazio

Vice President

gabriele@whitehalllending.com

Mev Mirza

Business Development Manager

mev@whitehalllending.com

Jack Hodgkin

Business Development Manager

jack.hodgkin@whitehalllending.com

Contact

49 Grosvenor Street, Mayfair, London, W1K 3HP

www.whitehalllending.com

contact@whitehalllending.com

Lending criteria

Funding model
Self-funded through equity
FCA regulated
No
Fixed/variable interest
Fixed
Treatment of interest & default interest
We offer both retained and serviced interest; default interest charged at 2% pm on top of the agreed interest rate
Sectors
Residential, development, commercial – office, industrial, retail, hospitality, PBSA and HMO
Max LTGDV
70%
Max LTC
N/A
Min property value
N/A
Valuation retypes
Only on very specific occasions
Rental calculations & exposure
N/A
Types of valuation accepted
Red Book
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Yes
Green/sustainable product
Yes (please refer to the ethos section)
Planning permission needed
No
Commission rate
1%
Associations/charters
N/A
Types of landlords accepted
Both individuals and limited companies, and non-UK residents/entities
Upfront fees
Yes
Broker portal
No
Early redemption charges
No
Investment
Yes
Owner occupied
No
Electronic signatures accepted
Yes
Lending on land
No

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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