In the competitive landscape of UK property investment, access to structured finance is crucial. Senior debt plays a central role in helping investors acquire, develop, and enhance property portfolios—especially in high-value locations such as central London.
Fraser Bond delivers tailored funding strategies for property investors, aligning senior lending solutions with each project’s scale, risk profile, and return expectations.
Senior debt is the first and most secure layer of a property’s capital structure. It is typically provided by banks, specialist lenders, or private institutions and carries a first legal charge over the asset.
For property investors, senior debt financing can be used to:
Acquire buy-to-let or investment properties
Fund value-add projects (e.g. refurbishments or conversions)
Leverage returns by reducing upfront equity requirements
Refinance existing assets to release capital
Senior debt is generally repaid before all other obligations, making it the lowest-risk component for lenders—and the most cost-effective form of borrowing for investors.
Senior loans typically cover 60–75% of the property value or development cost. This allows investors to deploy less equity, enabling portfolio diversification or multiple acquisitions.
As the least risky form of real estate lending, senior debt commands relatively low interest rates—typically 5%–9% depending on asset class, location, and borrower profile.
Fraser Bond secures senior debt across a range of investment scenarios, including:
Buy-to-let mortgages
Bridging loans for fast purchases
Development loans with staged drawdowns
Refinance packages to consolidate or restructure existing debt
Senior lenders have priority claims on the asset. This security ensures predictable repayment terms and protects your investment structure in uncertain markets.
At Fraser Bond, we work directly with senior debt lenders across London and the UK to help investors:
Source competitive senior loans for residential, commercial, and mixed-use properties
Negotiate terms including loan-to-value (LTV), interest rates, and drawdown schedules
Coordinate valuations, legal checks, and lender due diligence
Structure blended finance solutions where senior debt is combined with mezzanine finance or equity capital
Our team supports both UK-based and overseas investors looking to gain exposure to prime central London and emerging growth corridors.
| Scenario | Use of Senior Debt |
|---|---|
| Buy-to-let acquisition | Covers 70–75% of property value |
| Portfolio expansion | Recycle capital through refinance |
| Development investment | Funds construction and build costs |
| Renovation or conversion | Short-term senior bridging loans |
Fraser Bond ensures every lending solution is structured for maximum yield, regulatory compliance, and future-proofed refinancing.
Senior debt remains the cornerstone of secure and scalable property investing. For those building portfolios in London or across the UK, this form of finance offers cost efficiency, capital leverage, and lender-backed credibility.
Fraser Bond offers tailored senior lending support—from lender introduction to completion—ensuring your real estate investments are backed by best-in-class funding solutions.
Visit FraserBond.com to schedule a property finance consultation or request a personalised senior debt lending quote.
