LHV Bank has completed a £5 million commercial real estate facility to refinance two specialist care home assets, supporting a well-established property investor with a growing multi-million-pound portfolio.

The facility was introduced by Joseph Kahan of Secure Finance Limited, a long-standing brokerage based in Stamford Hill, North London.

The borrower, a respected operator in both residential and commercial property, required refinancing on three existing loans and a cash-out element to support continued portfolio expansion.

The underlying assets are operated by registered charities working to support individuals across the care sector.

As part of the due diligence process, LHV Bank worked closely with the borrower and their advisers to assess the strength of the operating model, understand the long-term repayment plan, and confirm that the charities involved were reliable and financially stable.

LHV Bank’s simplified structure helped streamline the deal, with Underwriting, Lending Operations and Finance teams working closely throughout. Secure Finance remained actively engaged, liaising with the borrower, legal teams and valuers to keep the transaction moving.

The bank’s solicitor, Lawrence Stephens, acted on a dual-representation basis and played a central role in ensuring the loan was drawn down within three weeks of credit sanction.

The facility was structured as a commercial real estate investment loan over a five-year term, amortised across 20 years.

LHV Bank, a fully licensed UK bank, specialises in providing Banking Services for global fintechs, SME Lending solutions for UK businesses, and Personal Savings through partnerships with deposit aggregators.

The deal comes as LHV Bank reports 30% year-on-year growth in its SME loan book for Q1 2025, reflecting continued demand for real estate and trading business finance across the UK.

“This case highlights exactly where we add value.

A borrower with a clear strategy, a tight timeline, and just enough complexity to fall outside the scope of more rigid lenders.

By working closely with Secure Finance, the deal team led by Sadiq Patel, Lending Director, and our legal partners, were able to move quickly and deliver ahead of schedule. It’s a good example of the kind of practical, relationship-led lending that continues to resonate in today’s market.”

“From the outset, this was a case that required a lender with both flexibility and urgency.

Sadiq and LHV Bank took a clear-sighted, practical approach and worked at pace to get the deal done.

The level of communication throughout was excellent, and it was clear the team understood the client’s priorities. It made all the difference, and we look forward to working with them again.”