Mutual Finance’s Managing Director Raed Hanna provides an in-depth look at the evolving UK property lending market. From the impact of recent economic shocks to the changing attitudes of lenders, Hanna examines how both borrowers and lenders are adjusting their strategies. The article covers critical issues such as depreciating asset values, tightening lending criteria, and the challenges of refinancing in the current climate. With insights into sector-specific trends and the anticipated effects of Basel III, this analysis offers a comprehensive view of the property finance sector’s current state and future outlook.

Continue reading “How equity became toast – Adapting to a New Reality”

Scott McKinnon, Director at Mutual Finance, highlights a growing trend among Gulf investors: the pursuit of value-add opportunities in UK properties with poor environmental ratings. With new regulations requiring higher energy efficiency standards, McKinnon predicts that within five years, GCC clients are unlikely to rent properties with an Energy Performance Certificate rating below C. This shift presents a lucrative opportunity for investors to upgrade assets and capitalize on the emerging ‘green premium’ in the UK real estate market.

Continue reading “GCC Investors Eye UK’s ‘Green Premium’ in Real Estate Market”

The North West team at specialist asset-based lender BREAL Zeta has structured and provided a £53.4m facility for one of the UK’s best-known mineral water brands.

Raed Hanna, managing director, MFL Finance, added: “Mutual Finance was delighted to collaborate with all parties on this deal to complete a complicated corporate debt facility.

Continue reading “Lender provides landmark facility to support water brand’s growth plans”

Swaps have received much attention in the national press, mostly negative and focusing on high street banks misselling hedging products to small and medium-sized businesses, so-called non-sophisticated customers.

Continue reading “Mayad Rassam “I met a client who had such a complex hedging structure, it took two days to model fully””