Insights

How well do you remember this year's highlights in the real estate finance market? 🎉 Test your memory with our REF Holiday Quiz:...

As the banking sector increases its use of AI in repetitive tasks, it is important to be aware that automated intelligence (“AI”) makes...

The latest headlines coming out of the Commercial Real Estate Lending report from the Bayes Business School do not make for positive...

We have previously written about the Register of Overseas Entities (ROE)[1], introduced by the Economic Crime (Transparency and...

On a REF investment deal, the debt is serviced by the rental income a property generates. As well as taking security over the underlying...

Valuations are a critical part of lenders’ decision to lend, but they are not the only factor.  The recent decision in Hope Capital v...

1. What is crucial for borrowers to assess when considering security offered to a lender? a) Maximum loan amount b) Flexibility needed to...

Mandate letters, or commitment letters, are sent by an arranging bank (an ‘arranger’) to a borrower in syndicated transactions. The...

Sustainability linked loans (′SLLs′) are loans where a proportion of the interest rate is linked to the borrower’s ability to meet...

Lenders will often take security over a borrower’s shares, which gives them the option to enforce their security through a sale of...

Markets are still feeling the reverberations from the failure of Silicon Valley Bank (SVB), the second biggest US bank collapse in recent...

With interest rate and inflation rises, the cost-of-living crisis and forecasts of recession going into 2023, the economic climate is a...