Hilco Real Estate Finance
The real estate lending arm of Hilco Global, writing first-charge bridging from around £1m to well past £100m, and medium-term loans from £10m at SONIA plus 2.95 per cent.
What they do
Hilco Real Estate Finance lends as principal off the group's balance sheet, separately from the group's asset-based lending business, and takes on complex, transitional and offshore structures other lenders decline. The bridging line covers facilities from around £1m upwards, though real activity clusters above £3m, and a medium-term product from £10m is priced at 2.95 per cent over SONIA. Lending covers England, Wales, Scotland, the Channel Islands and the Republic of Ireland.
Where they fit in a lower-mid-market raise
Transitional assets, buildings that are changing use, being repositioned or sitting between tenants, are hard to fund and this lender is built for them. Published medium-term pricing at under three per cent over SONIA is competitive with bank lending, and being a principal with group capital behind it, execution does not depend on a funder's approval.
Where they are not the fit
The medium-term product has a £10m floor, so most of a £3–15m requirement is served only by the bridging line. Real estate security is required in every case, and a business borrowing on earnings alone has no route here. Bridging is not rate-carded, so terms have to be quoted.
Published terms
- Pricing
- Medium-term product priced SONIA + 2.95%; bridging not rate-carded publicly, self-described as 'some of the most competitive rates in the market'
- Speed to terms
- Not published
- Sponsored or sponsorless
- Lends to property investors, developers and corporates against real-estate collateral; not sponsor-dependent. Real evidenced borrowers are private property investors/developers
- Where they lend
- UK-wide (England, Wales, Scotland), plus Channel Islands and Republic of Ireland. Not England-and-Wales-restricted
- How they decide
- Principal lender able to execute complex/transitional deals rapidly with bespoke structures; specific process/turnaround days not published
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Hilco Real Estate Finance lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Hilco Real Estate Finance lends, but which of these would own it.
Bridging / short-term property finance
- Facility
- £1m to £100m
- Security
- First-charge secured against real estate, lend on loan to value up to 75% (one deal evidenced at 64% loan to value); comfortable with complex, offshore and post-receivership structures
- Funds
- Acquisition · Growth · Refinance
- Rules out
- EBITDA/cashflow-only lends without real-estate security
Medium-term real estate loan
- Facility
- £10m to £150m
- Security
- First-charge secured against real estate, loan to value up to 75%; terms 2-6 years; priced SONIA + 2.95%
- Funds
- Acquisition · Growth · Refinance
- Rules out
- £10m facility floor puts most of the £3-15m band out of scope for this product
How they sit against the category
- Its published ceiling of £150m is among the 2 highest of the 75 property-backed lenders here.
- 65 of the 75 publish an indicative price at all; it is one of them.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Hilco Real Estate Finance write?
Published facilities run £1m to £150m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Hilco Real Estate Finance lend?
UK-wide (England, Wales, Scotland), plus Channel Islands and Republic of Ireland. Not England-and-Wales-restricted.
What does Hilco Real Estate Finance lend?
The published product set is bridging / short-term property finance, medium-term real estate loan. Published sector focus is care, farmland, healthcare, holiday, hotel.
On the record
2025: launched £10m-£150m medium-term product (2-6yr, SONIA+2.95%).
2023: launch: ~£50m originated in first four months.
Sources: hilcoref.com · newsontheblock.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.