Rothschild & Co Real Estate Debt
An insurer-funded commercial real estate lender managed by Rothschild & Co, writing senior loans of £5m to £100m at margins of roughly two to three per cent over SONIA.
What they do
Rothschild & Co's real estate debt management team originates and structures senior loans on behalf of two large UK insurance companies, with the group's own bank co-lending a portion of most facilities. Loans run from £5m to £100m, typically £5m to £50m, against offices, industrial, retail, healthcare, leisure, student accommodation and open storage in the UK and Channel Islands. Margins sit around two to three per cent over SONIA with an arrangement fee of about one per cent, and development lending is priced higher.
Where they fit in a lower-mid-market raise
Insurance capital wants long, stable, moderately-levered property loans, which is precisely what a corporate borrower with a good building often needs. Published margins of two to three per cent over SONIA are competitive with clearing banks and cheaper than the specialist property market, and a facility of £5m to £15m sits inside the appetite rather than beneath it.
Where they are not the fit
The floor of £5m puts the bottom of a £3–15m raise out of reach, and typical deal sizes skew well above the lower-mid-market. Lending is against UK and Channel Islands commercial real estate only, so a corporate borrower without a qualifying asset has nothing to offer. No speed of decision is published.
Published terms
- Pricing
- Margins over SONIA (floating or fixed) typically 2%-3%; arrangement fee around 1%; development loans higher (company REDM page, High)
- Speed to terms
- Not published
- Sponsored or sponsorless
- Property-backed CRE lender; borrowers are property owners/investors (individuals, SPVs, trusts, companies), not corporate EBITDA borrowers or private equity sponsors specifically. Corporate/SPV property-holding structures welcome
- Where they lend
- UK and Channel Islands only
- How they decide
- REDM originates and structures the loans and manages the portfolio on behalf of two UK insurer investors; Rothschild & Co Bank International co-lends part of most loans. New-borrowing enquiries via the REDM team
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.
What rules a deal out
Stated limits, taken from Rothschild & Co Real Estate Debt’s own published criteria. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- Property-secured CRE only - not a corporate/EBITDA lender
- Typical ticket skews above the LMM band (max £100m, typical up to £50m); floor £5m so £3-5m below appetite
- UK and Channel Islands only
- No appetite in healthcare, industrial, leisure primary, open storage secondary or pbsa
How they sit against the category
- Its published ceiling of £100m is among the 5 highest of the 75 property-backed lenders here.
- It starts higher than all but 4 of them, at £5m.
- 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 Rothschild & Co Real Estate Debt write?
Published facilities run £5m to £100m. A band is what a lender states it will do, not what it will do on a given credit.
Where does Rothschild & Co Real Estate Debt lend?
Rothschild & Co Real Estate Debt lends in UK and Channel Islands only.
What does Rothschild & Co Real Estate Debt lend?
The published product set is uk cre senior real estate debt. Published sector focus is property.
On the record
2022: Hurstwood Holdings £50m loan increases/refinancing across two portfolios incl. Lune Business Park industrial scheme; Ros Harper (MD, REDM) named (High — Hurstwood press release 15 Aug 2022.
2025: REDM team H1-2025 lending-highlights post naming Simon Osmond and Julia Moore as new-borrowing contacts (Med — LinkedIn activity 7362046121453490176.
Sources: rothschildandco.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.