Logo
Global

Green Portfolio Investment Loan

Green Portfolio Investment Loan
HEAD OF SPECIALIST LENDING

Chris Whitney

With access to more than 500 lenders, we have experience with every type of mortgage. If you have a residential investment portfolio and are looking for a loan of £1m+, this exclusive product might be for you.

Green Portfolio Investment Loan

If the EPC grades for 90% of the property portfolio (as measured by area) are between A,B and C, then the following pricing and terms can be applied: 

LTV Fixed Interest Rate Arrangement Fee Term
<60% 2.75% 1.00% 4 or 5 Years
>60% 2.95% 1.00% 4 or 5 Years

 

Green Portfolio Improvement Loan

If the EPC grades for 90% of the property portfolio (as measured by area) are between A,B, C or D , then the following pricing and terms can be applied: 

LTV Fixed Interest Rate Arrangement Fee Term
<60% 3.00% 1.00% 4 or 5 Years
>60% 3.20% 1.00% 4 or 5 Years

 

This particular version of the facility will also have a margin ratchet mechanism - whereby the borrower can reduce the interest rate by 25bps once the overall position at the portfolio has improved and once achieving A, B or C at 90% of the property portfolio.

Once the ratchet is effective, the pricing will be at the same level as the standard Green Residential Investment Loan. 

  • The structure is for UK only borrowers
  • The product is available on a fixed rate basis, with terms of between 4 and 5 years
  • As the loans are fixed, ERCs apply if the facility is repaid early but 10% repayment allowance per annum is without charge
  • Interest only available

To apply for this loan, get in touch with one of our expert brokers now.