Real Estate Finance

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Why HSBC for Real Estate Finance?

Dedicated team

Local market expertise

We operate a commercial real estate finance business supporting nearly 700 clients across the UK. We have a team of c100 people with clients supported by one of our specialist Relationship Directors offering a local market expertise throughout the country.

Specialists

In-depth sector knowledge

We understand the unique nature of property markets together with the challenges and opportunities these present. Our activity is broad and representative across the whole of the commercial real estate market with exposure to all major asset classes.

Network

The right connections

As part of our wider support we also host sector events, publish industry insights and work in partnership with key industry bodies and Professional Services firms.

Our team:

Andy McDonald, Head of Real Estate Finance

Andy McDonald, Head of Real Estate Finance

Andy McDonald is Head of Real Estate Finance, HSBC UK Bank Plc with overall responsibility for the business nationally. With over 20 years’ banking experience, Andy has operated within the real estate finance arena for more than 10years’ with expertise in leading structured finance and distribution activities at major UK banks. Andy has broad experience across lending and relationship management including investment banking.


David Stephens, Head of London

David Stephens, Head of London

David was appointed as Head of the London team in August 2018 and has extensive experience working across the CRE and Large Corporate client base. David has worked for the HSBC Group for 35 years across a wide variety of roles in Commercial Banking and Global Banking sector teams. The London team focuses on core investment asset classes – industrial & logistics, offices, retail and residential – across London and Southern England.


Siobhan Gall, Head of Regions

Siobhan Gall, Head of Regions

Siobhan leads our Regional team, with responsibility for our clients that are based in or have assets that are located across the UK regions. Her team supports clients who invest in, develop and manage properties across the core investment classes – industrial & logistics, offices, retail and residential – as well as healthcare and life science related buildings. Siobhan has over 20 years of finance experience from international banks and fund management businesses.


Dan Wright, Head of Housing

Dan Wright, Head of Housing

Dan was appointed as Head of the UK Housing Team in 2022 and has extensive experience working across the Real Estate and Large Corporate client base, having worked for HSBC for 32 years. He is responsible for supporting house builders, social housing providers, the private rental sector, and student accommodation providers across the UK.


Elizabeth Davies, Head of Hotels

Elizabeth Davies, Head of Hotels

Elizabeth Davies leads the Hotel Real Estate Finance business, specialising in providing financial solutions for operating hotels and building trusted partnerships that transcend generations. Elizabeth has 18 years of real estate finance experience of both bilateral and syndicated loan facilities, senior and junior debt structures in all core real estate markets, including development finance experience and Green Loans. Elizabeth is an RICS qualified Chartered Surveyor, having originally specialised in loan security valuation and is passionate about supporting customers through the challenges of market cycles.

Awards:

Real Estate Capital Europe Awards 2021

  • Bank Lender of the Year UK – HSBC
  • Sustainable Finance Provider of the Year – HSBC
  • Sustainable Financing Deal of the Year

Real Estate Finance: Insights

What does it take to build a large sustainable development in a major global city?

Listen to Mike Lightbound, Finance Partner at Argent LLP and David Stephens, Head of Corporate Real Estate - London at HSBC talk about our involvement in one of the most sustainable major developments in the UK

Towards Net Zero in UK commercial real estate

Read the UCL and HSBC Research report – Helping turn your sustainability ambitions into achievable actions.

Real Estate Finance sector snippet

Find out more about the latest trends, developments and challenges impacting businesses in your sector from our team of specialists.

How is the student housing sector thriving in a rising interest rate environment?

Despite institutional investment, PBSA (Purpose Built Student Accommodation) has continued to have an undersupply of beds. In this article, Lorraine Angus, Relationship Director, Real Estate Finance at HSBC UK explores why the sector is thriving, as well as the challenges posed by rising interest rates.

Information correct as of 14th September 2023

Focus on ESG

Today we finance a number of industries that significantly contribute to greenhouse gas emissions. We have a strategy to help our customers to reduce their emissions and to reduce our own. For more information visit www.hsbc.com/sustainability

Recent Real Estate Finance deals

ManGPM: £50m funding and social loan

December 2022

We provided a £50m funding package to investment management firm, Man Group, to build more than 1,300 properties across the country, with 90 per cent of the homes expected to be affordable housing. The funding package will assist with the initial build of 600 homes across the South East, Midlands, Cambridgeshire and East Sussex.

Crest Nicholson: sustainability linked financing deal

November 2022

We supported Crest Nicholson as a lender in a £250m sustainability linked financing deal. We acted as Joint Documentation and Sustainability Coordinator for the UK housebuilder, and the deal supports Crest Nicholson’s sustainability strategy. Today, we and many of our customers contribute to greenhouse gas emissions. We have a strategy to reduce our own emissions and to help our customers reduce theirs.

Merger of Vistry Group and Countryside Properties

September 2022

When Vistry made a £1.3bn cash and share offer to acquire Countryside Partnerships Plc, we acted as sole underwriter to finance the cash element of the deal via an acquisition term loan (‘TLA’) alongside backstopping the Group’s existing facilities. The merger will create one of the UK’s largest homebuilders by volume, comprising a major private housebuilder and a leading Partnerships mixed-tenure provider.

Curlew Capital: £12.5m green loan

September 2022

We provided a £12.5m green loan to Curlew Capital to support the development of purpose-built green student accommodation in Exeter and Falmouth. The funding will enable Curlew Capital to introduce further energy efficient measures such as LED and PID lighting as well as automatic meter reading utility capabilities within the buildings.

CC Land Holdings: £605m refinancing deal

July 2022

We co-ordinated the agreement for a £605m refinancing deal one of London’s tallest buildings, the iconic ‘Cheesegrater’.

Wyatt Homes: £45m joint funding package

April 2022

We provided a joint funding package with Homes England to enable Wyatt Homes o deliver over 1,000 new homes across Dorset, Hampshire and Somerset over the next five years.

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