Mayfair, London · Costa del Sol by appointmentenquiries@valumise.co.uk

Fundraising & Capital Strategy

Property finance and SPV structuring for investors

Structure the vehicle, stress-test the numbers and present a lender-ready case before you commit to the purchase.

Book a confidential consultationEmail us directly
One working dayTypical reply time to every enquiry
Fixed feesAgreed in writing before work begins
FCCA-ledSenior, qualified oversight on every engagement
ConfidentialStrict confidentiality, NDA on request

Sound familiar?

The problems we are usually asked to solve

Property deals fail on structure and finance more often than on price. Lenders want a company vehicle, tax treatment differs sharply between owning personally and through a company, and a yield that looks fine at purchase can collapse when rates move. We test the deal before you commit.

01

Lenders want a company, but you own personally

Buy-to-let lenders and developers increasingly lend to special purpose vehicles rather than individuals.

How we fix itWe design the SPV structure with your legal advisers and prepare the lender submission.

02

The tax treatment is unclear

Interest relief, rental profits, extraction of cash and exit tax differ between personal and company ownership.

How we fix itWe model the after-tax return of each route over the life of the investment.

03

The yield looks good until rates move

Thin interest cover and rate rises turn profitable deals into cash drains.

How we fix itWe stress-test rent, vacancy, interest rates and costs before you commit.

04

You are buying abroad with UK money

A Spanish purchase brings local taxes, banking and financing questions on top of UK ones.

How we fix itWe coordinate UK and Spanish financing and tax with local advisers.

What you get

  • Investment appraisalYield, interest cover, cash-on-cash return and exit analysis.
  • SPV and holding structure designStructures that support borrowing and sensible tax treatment, with legal input.
  • Lender pack preparationFinancial model, borrower profile and portfolio summary for lenders.
  • Bridging and development financeShort-term funding for acquisitions, refurbishment and development.
  • Refinancing and portfolio reviewReducing cost and unlocking equity across existing holdings.
  • Cross-border property financeUK and Spanish acquisition and financing coordination.

Best suited toProperty investors, developers and families buying, restructuring or refinancing in the UK or Spain.

The outcomeA deal that works on paper, in a structure lenders accept and a tax outcome you understand.

How it works

  1. StrategyWe establish what you need, the right instrument and the milestones the money must reach.
  2. PrepareWe build the model, financial narrative, data room and compliance work.
  3. ProcessWe support meetings, due diligence and negotiation, with authorised partners where regulated.
  4. CloseWe help with terms, completion mechanics and the reporting that follows.

Questions we are often asked

Is it better to buy through a company?

It depends on your tax position, borrowing and plans for the income. We model both routes with your actual numbers rather than relying on a rule of thumb.

Can you arrange the mortgage?

We prepare the financial case and work with brokers and lenders to place it. Where regulated mortgage advice is required, it comes from an appropriately authorised adviser.

Do you advise on Spanish property purchases?

Yes. See our Spain services for the financial and tax questions UK buyers face on the Costa del Sol.

Related services

SpainSpanish property investment & structuringTaxGroup structures & holding companiesFundraisingBusiness loans & debt finance

Tell us what is on your mind. We will tell you honestly how we can help.

Send a short note. A senior member of the team replies by email, normally within one working day, and every first conversation is confidential.

Book a confidential consultationenquiries@valumise.co.uk