Bespoke Real Estate Lending,
Built on Discipline and Investor Alignment
Designed to protect investor capital and deliver consistent returns.
Our Approach to Secure Real Estate Lending
Led by James Caan CBE (20+ years’ real estate investment experience) and Alastair Carmichael (15+ years in real estate finance), Hamilton Bradshaw Real Estate provides bespoke unregulated lending solutions secured against prime European property.
With disciplined underwriting, robust security, and co-investment alongside our partners, we target reliable investor returns of 9–12%, depending on loan structure and timing. Returns are fixed but can be paid either during the loan term or at repayment, depending on investor preference.
Our Real Estate Investment Specialists
James Caan CBE
Alastair Carmichael
Graham Emmett
Chung Hau
Alexis Lenas
Why HB Real Estate?
- Every facility is secured against prime European residential property, typically at conservative leverage levels (up to 60% LTV). This focus on tangible, high-quality assets in resilient markets ensures that capital is always anchored to properties with enduring value and multiple exit strategies.
- Hamilton Bradshaw co-invests 50:50 alongside its partners in every loan. This equal footing means our capital is at the same risk and return profile as our investors, providing genuine alignment of interests and demonstrating our conviction in each opportunity.
- Our origination and underwriting process is rigorous and selective. Each opportunity undergoes detailed due diligence, valuation checks, and advisor validation, with only the very best deals progressing to execution. This ensures every loan is structured for downside protection and risk-adjusted returns.
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All lending is safeguarded with robust legal protections, typically including first-ranking legal charges, fiduciary trust structures, and personal guarantees. These layered security measures provide multiple enforcement routes and are designed to protect investor capital under all market conditions.
While every loan is robustly structured, real estate lending carries inherent risks. Our security package — including first ranking charges, fiduciary trusts, and personal guarantees — is designed to provide multiple enforcement routes in the event of borrower default, protecting investor capital.
Who We Work With
Our lending solutions are designed for professional and high-net-worth investors seeking asset-backed opportunities. Investments are typically structured for accredited investors, family offices, and institutions with a medium-term horizon.
Recent Case Studies
€1.85m loan | 34% LTV | South of France
- Term: 12 months (minimum 6-month interest payment)
Use of Funds: Refinance, refurbishment, and UK development completion
Exit Strategy: Sale of UK development or refinance
A private real estate developer required funding to refinance an existing asset, release equity for renovations, and complete a UK development. Traditional lenders could not provide the speed or flexibility required. HB Real Estate structured a bespoke facility secured through a fiduciary trust and personal guarantee, with rolled-up interest and multiple exit routes to protect investor capital.
€4.5m loan | 54% LTV | South of France
Term: 18 months (12-month minimum interest payment)
Use of Funds: Equity release and bridge to sale
Exit Strategy: Sale of asset
A privately-owned investment company sought a bridging loan to release equity for retirement while marketing a prime residential property. With banks unable to handle the complex cross-border structure, HB Real Estate provided a facility secured with a first-ranking mortgage, fiduciary trust, and personal guarantee. Protective terms, including price reductions and active monitoring, ensured both borrower flexibility and strong investor protection.
Disciplined Lending Framework
Every real estate financing opportunity follows our proven, step-by-step framework designed to safeguard capital and deliver consistent returns:
01
Screening & Structuring
Filtering only the strongest opportunities with trusted advisor validation.
- We begin with a rapid assessment of borrower background, property details, and debt metrics. Opportunities that meet our strict criteria move forward to indicative terms and structuring, ensuring deals are viable from the outset.
02
Underwriting & Execution
Clear legal framework, valuations, and security in place before drawdown.
- Each opportunity undergoes rigorous due diligence, including independent valuations, legal reviews, and advisor input. Once approved by our Credit Committee, terms are finalised, legal documents completed, and funds drawn down.
03
Monitoring & Protection
Active oversight, CAPEX monitoring, and multiple enforcement options.
- Post-completion, loans are actively managed to ensure performance. We oversee compliance, monitor repayment progress, and enforce security protections if required, safeguarding investor capital at every stage.
This disciplined framework ensures every loan is carefully assessed, securely structured, and actively managed from start to finish. By combining rigorous due diligence with robust protections, we safeguard investor capital while delivering consistent, risk-adjusted returns.
Invest alongside Hamilton Bradshaw Real Estate Lending
We specialise in asset-backed property lending, offering investors a disciplined, risk-managed pathway to sustainable returns. With Hamilton Bradshaw, your capital is safeguarded and positioned for growth.
Contact us today to discuss our latest opportunities and discover how we can help you achieve consistent, risk-adjusted returns.
Disclaimer: The information provided does not constitute a financial promotion and is directed only at professional investors, high-net-worth individuals, and institutions who qualify as Relevant Persons under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005. Any investment activity referred to is available only to Relevant Persons and relates to unregulated loans not subject to FCA regulation. Investors should be aware that capital is at risk and past performance is not indicative of future results.