“Returning clients feel the benefit of having a specialist adviser in their corner, helping to achieve the best possible terms as they grow and expand”
– Nikita Nigai – Arc & Co.
Arc & Co. has advised on the completion of a £3,562,500 buy-to-let loan, secured against a portfolio of 19 newly developed apartments in Kent. The deal follows a strategic pivot from build-to-sell to build-to-rent, after the local authority agreed to lease the full block under a fixed annual premium arrangement.
Originally developed as a build-to-sell project, the scheme was converted into a long-term rental asset once the local council committed to leasing all units on a five- to ten-year term. The fixed agreement delivers the borrower a secure, predictable income stream, helping to strengthen the lending proposition.
The five-year facility was arranged at 70% loan-to-value and enabled the borrower to refinance the unencumbered asset, repay private investors and release equity for further portfolio expansion. The borrower, a UK national with international roots, previously worked with Arc & Co. in 2022 to fund their first buy-to-let acquisition.
Nikita Nigai (pictured), Head of International at Arc & Co., led the transaction. He noted that early lender conversations highlighted some friction in the market, with initial terms proving restrictive on LTV and pricing, particularly given the borrower’s background as a first-time developer.
“It is vital that we have access to lenders who have the appetite to support complex borrowers and property types, while remaining competitive on price,” He said. “Returning clients feel the benefit of having a specialist adviser in their corner, helping to achieve the best possible terms as they grow and expand.”
He added: “This deal is a great example of how strong lender relationships and market insight can help clients achieve their goals, even in a shifting economic environment.”
The facility was ultimately secured with a lender offering competitive pricing and greater flexibility, including a more pragmatic view of the asset and borrower profile. The security—residential units leased entirely to the local authority provided confidence in the long-term cash flow and helped to structure the deal under a UK SPV.
Arc & Co. said the outcome demonstrates its ability to place complex BTL transactions and support international investors with bespoke structuring requirements.
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