For over twenty years, REFC has structured bespoke finance for investors, developers and owner-occupiers across the UK and Europe. Our team of former bankers presents your transaction the way lenders need to see it — improving approval rates and securing better terms, first time.
We are a London-based finance consultancy with over two decades of experience structuring real estate transactions across residential, commercial, industrial, retail, leisure, mixed-use, hotels, student accommodation and HMOs. We drive every deal from day one to completion.
We structure each transaction the way a credit committee would — anticipating questions, addressing risks, and presenting a complete picture to the right lender for the asset class.
Acquisition and re-financing facilities for buy-to-let portfolios, HMOs and large residential investment holdings across the UK.
Learn moreFunding for income-producing commercial assets — offices, retail, industrial, leisure and mixed-use — tailored to the covenant and the cash flow.
Learn moreSenior debt for ground-up residential schemes and major refurbishments, structured to the build programme and exit strategy.
Learn moreFunding for office, retail, hotel, student accommodation and mixed-use development — from pre-construction through stabilisation.
Learn moreShort-term secured lending for auction purchases, chain breaks, refurbishment and time-sensitive acquisitions — placed quickly with the right lender.
Learn moreStretched senior and mezzanine layers that close the equity gap on development and investment transactions where leverage matters.
Learn moreAcquisition and refinancing for trading businesses purchasing their own premises — structured around the operating company, not against it.
Learn moreFor trading clients beyond the real estate file — invoice finance and working capital facilities to support operating businesses.
EnquireRefinancing maturing facilities, releasing equity, or restructuring portfolio debt to improve cost, term and covenant flexibility.
EnquireWe deal across every major asset class, drawing on lender relationships built over two decades to match the right capital to the right transaction.
BTL, HMO, PRS
Office & retail
Logistics & warehouse
High-street & F&B
Branded & boutique
PBSA accommodation
Blended schemes
Multi-let property
Real Estate Finance Consultancy is a London-based firm founded on a simple idea: clients deserve a broker who structures transactions to the same standard the lender will demand to see. Our team is drawn from senior banking — credit, origination, and risk — so we know exactly what a deal must look like to clear committee.
We work with property investors, developers, family offices and owner-occupiers across the UK and Europe, delivering truly independent and bespoke property finance solutions. We are with you from initial enquiry through to drawdown and beyond.
Whole-of-market access. We work for you, not a lender panel.
Every transaction structured around your asset and your strategy.
We drive the deal — negotiating valuers, solicitors and lender terms throughout.
Credit-grade applications presented to the lenders most likely to fund.
A disciplined five-step process that mirrors the way a credit committee evaluates your transaction — so nothing is left to chance.
We understand the asset, the borrower, and the outcome you need from the transaction.
Lending proposal review, cash-flow modelling, and identification of the right lender pool.
A full credit application prepared to the standard banks expect — concise, complete, decision-ready.
Term-sheet negotiation, valuer and solicitor management, and steering the file through DD.
Account opening, drawdown management, and an open line for the life of the facility.
Most brokers submit applications. We structure them. The distinction matters — and shows up in approval rates, pricing, and the speed at which deals reach completion.
Because we present transactions the way credit committees need to see them — the answers are there before the questions are asked.
We know which lenders price each asset class competitively — and we negotiate hard on margin, fees, covenants and LTV.
Your senior advisor stays with you from enquiry to drawdown. No hand-offs, no junior teams, no losing the thread.
London-based, with experience across European jurisdictions and cross-border structures.
REFC didn't just place our facility — they re-shaped the entire structure before it went to credit. The terms we secured were materially better than anything we'd been quoted directly, and the deal closed on schedule.
Tell us about the asset, the timeline, and what you need from the facility. We'll come back to you with an honest read on viability, indicative terms, and the lenders most likely to fund it — usually within 48 hours.