A Trusted Capital Partner for Specialist Real Estate Brokers
Providing fully discretionary capital for secured lending against prime UK and European real estate, with clear underwriting, decisive credit, and reliable execution for broker-led transactions.
Discuss current lending opportunities
We provide disciplined, asset-backed property lending focused on capital preservation and dependable returns.
Alongside deploying our own capital, we actively partner with lenders, banks, and investors seeking a trusted, experienced lending partner.
Speak directly with Alastair Carmichael, Head of Real Estate Lending.
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 real estate loans secured against prime UK and European property. With swift underwriting and access to the decision makers, we can provide terms that are fully backed by both capital and the horsepower to execute the transaction.
Our Real Estate Lending Specialists
James Caan CBE
Alastair Carmichael
Graham Emmett
Chung Hau
Alexis Lenas
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 Transactions
€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.
£2.55m loan | 49% LTV | Portland Place, London
Term: 12 months (minimum 6-month interest period)
Use of Funds: Refinance and completion of final refurbishment of high profile European development.
Exit Strategy: Refinance
A private real estate developer required capital to complete the final phase of renovations on a high profile European development. Traditional lenders were unable to move at the required pace or provide the level of flexibility and discretion needed. HB Real Estate Lending structured a bespoke facility enabling the efficient release of equity, with rolled-up interest to provide certainty and breathing room, allowing the project to complete on schedule.
€1.25m loan | 46% LTV | Cap Ferret
Term: 12 months (minimum 9-month interest period)
Use of Funds: Refinance and capital for private matters
Exit Strategy: Sale of the asset
A private individual required funding to refinance an existing asset, release equity for private matters, and provide sufficient time to market the property for sale. Traditional lenders were unable to move at the required pace or offer the flexibility needed. HB Real Estate structured a bespoke, cross-border facility enabling the borrower to release equity efficiently and complete on schedule.
Our Process & Parameters
At Hamilton Bradshaw Real Estate Lending, every opportunity follows a disciplined, proven pathway from first discussion through to completion and ongoing loan management.
This structured approach combines institutional underwriting standards with entrepreneurial speed, allowing us to assess, structure, and execute transactions with clarity and confidence.
Each stage is overseen directly by James Caan CBE and Alastair Carmichael, supported by the wider Hamilton Bradshaw team and specialist advisors.
Typical Lending Parameters
While every deal is assessed on its own merits, our typical parameters are:
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Loan Size
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£2m – £10m / €2.5m – €12m
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Our Security Package
All loans are robustly protected through a market-leading security structure, typically including a combination of:
- First ranking legal charge or mortgage over the property
- Personal guarantees from the property owner
- Trust or fiduciary structures where appropriate
- Multiple legal routes to ensure repayment and capital protection
The exact structure varies by transaction, but every loan is designed to provide layered protection and clear recovery options.
A disciplined pathway from opportunity to completion — designed to safeguard capital, support borrowers, and deliver reliable outcomes.
Discuss current lending opportunities
We provide disciplined, asset-backed property lending focused on capital preservation and dependable returns.
Alongside deploying our own capital, we actively partner with lenders, banks, and investors seeking a trusted, experienced lending partner.
Speak directly with Alastair Carmichael, Head of Real Estate Lending.
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.