Our established team of experts covers a wide range of assets and transaction types.
Our approach
We provide loans to a full spectrum of clients from REITS and institutional funds through to family offices, private property companies, developers and opportunity funds. We also cover all main asset classes including office, retail, industrial and residential as well as smaller sectors such as student accommodation, hotels and serviced apartments.
As we cover such a wide range of opportunities, we’ll put together a team with the skills and experience to deliver a bespoke outcome for each deal.
Lending terms
Every transaction needs a bespoke approach. We therefore pride ourselves on our flexibility and our ability to listen. We will work with you to develop the right structure based on your requirements and taking into account the underlying assets and tenants.
These guidelines provide an overview for UK transactions:
- Loans range from £5m up to £200m + against a single property or larger sums for real estate portfolios.
- We offer loans that are typically of up to 65 per cent of the value or purchase price of a property, but this can be greater in the event of particularly high income quality.
- Fixed rate loans terms can extend as long as 30+ years and can be as short 3 years, although most of our lending is longer than five years.
- Floating rate loans can extend up to 7 years.
-For European transactions:
- Our Euro loans range from €10m to €65m.
- Loan terms range from three to ten years, on either a fixed or floating basis.
If you have a proposal which you would like to discuss, please contact the relevant member of the team.
Lending process
We aim to provide a transparent and efficient approach to providing loans.
Initial information
To ensure that we can provide you with our best loan terms, we will need as much information about the property or portfolio as you are able to provide. Typically this will include a list of properties, tenancy lists and any recent valuation information to the extent available. Ideally we would like receive this information by email, but we are always happy to discuss applications over the telephone first, if that is helpful.
Underwriting your application
Upon receipt, we will review the information you have provided and revert with any clarifications ahead of providing an initial indication. Our underwriting makes use of our considerable experience and draws on the knowledge of dedicated tenant credit analysts and our team of in-house valuers. Once an agreement on the commercial terms of a loan has been reached, we will proceed to our investment committee for formal approval.
Heads of terms
Once investment committee approval is gained, we will send you a term sheet, formally confirming our proposal and requesting official acceptance. Once acceptance has been confirmed, the due diligence and execution process will commence including appointment of external valuers and lawyers who will liaise with your appointed advisers.
Real estate debt news
Aviva Investors completes a £10.9 million deal with Valor Real Estate Partners LLP
21 Nov 2019
Aviva Investors, the global asset manager business of Aviva plc, has agreed a £10.9 million, 7-year, fixed rate loan Valor Real Estate Partners LLP for a warehouse in Acton, West London.
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Aviva Investors completes a £33.5 million deal with AshbyCapital
14 Oct 2019
Aviva Investors, the global asset manager business of Aviva plc, has agreed a £33.5 million, 5-year, fixed and floating rate loan with AshbyCapital to finance Abbotsinch Retail Park in Paisley, near Glasgow.
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Aviva Investors launches Alternative Income Solutions Fund
1 Feb 2017
Aviva Investors, the global asset management business of Aviva plc (‘Aviva’), today announces the launch of the Aviva Investors Alternative Income Solutions Fund.
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