Experts in lending across the property spectrum

We specialise in providing senior debt loans ranging from £20m to in excess of £250m, secured on income-producing real estate assets in the UK and major cities of Western Europe. We lend across a wide variety of sectors, including office, industrial, retail, residential, build-to-rent (BTR), private rented sector (PRS), student accommodation, healthcare and hotels. Our loan facilities are structured to suit our borrower’s requirements and are typically on terms of 3, 5, 7 or 10+ years and a maximum loan-to-value (LTV) of up to 65%.

Drawing on LGIM’s position as one of the UK’s largest and most experienced property investors, we provide flexible capital, offering both short and long-term debt that is suitably structured on what, we believe, are attractive terms. Our experienced team of real estate debt professionals has a proven track record and delivers speed of execution that has consistently made us a go-to partner of choice for both borrowers and investors.

Case studies

Tower block in Brussels

We provided a bullet term loan to support the €1.2 billion acquisition of an office asset, located in Brussels.

Cranes over city skyline

We lent £275m to a large and established BTR scheme in East London. The financing was a 10-year interest only senior loan at c.60% LTV.

Student accommodation blocks

We provided a 9-year bullet loan against several student accommodation blocks in London.

We provided long-term financing to Glasgow City Council to help settle a landmark equal pay dispute. Financing was secured on an underlying property portfolio.

Other asset strategies

Luggage conveyor belt

Alternative debt

Our transactions in alternative debt cover a broad spectrum – from trade and asset-backed finance – through to government supported opportunities, derivatives strategies and private asset-backed securities (ABS).

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Corporate debt

For private corporate and public sector entities seeking to borrow outside of the public markets, we specialise in providing bespoke debt financing across a variety of sectors, structures and geographies.

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Infrastructure debt

We provide debt financing across four key infrastructure sectors: energy, transportation, digital and social.

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Private credit

Partnerships designed to deliver real social and economic impact

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Get in touch

The Real Assets Solutions team operates right across the entire LGIM Real Assets platform. With more than 100 years of combined industry experience, our 14-strong team draws on the expertise of former investors, consultants and product specialists.

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Key risk

The value of any investment and any income taken from it is not guaranteed and can go down as well as up,
and investors may get back less than the amount originally invested.