Residential Real Estate Lending

Providing senior secured lending across the residential market
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Downing Residential Real Estate Lending

Downing provides senior loan financing to experienced property investors and developers across the UK, targeting attractive risk-adjusted returns with a focus on capital preservation and downside protection. Our disciplined investment approach focuses on well-structured lending opportunities supported by strong collateral, experienced sponsors and clearly identifiable demand drivers.

Reflecting our focus on investments that matter, we provide institutional investors with access to diversified real estate-backed lending opportunities that support housing delivery and regeneration across the UK. We are lenders who are capable of performing through market cycles, through direct origination, rigorous underwriting and active portfolio management.

Investment criteria

Our institutional-grade investment process ensures we maintain a genuine senior debt profile.

Relationships

Relationship-based sourcing, working with well-known and experienced counterparties.

Geography

Aiming to be geographically diversified across the UK, with a focus on opportunities with
good liquidity.

Deep markets

Focus on deeper markets
or those with structural undersupply.

Targeted

Avoidance of high-end developments, first-time or part-time developers
and properties in distress.

Meet the team

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Downing’s team offers specialist expertise across the property market.

Parik Chandra

Partner and Head of Private Credit

George Cotterell​

Partner and Head of Commercial Real Estate Lending​

Gemma Squirrell

Head of Portfolio and Transaction Management

Joe Flaherty

Investment Director

Will Powell

Investment Director

Richard Lamb

Investment Director

Nigel Alexander

Investment Director

John Pollington

Investment Director

Mark Sukhram

Director

Stacey Baxter

Associate Director

Jay Magee

Associate Director

Doug Bowley

Associate Director

Laura Beckingham

Senior Portfolio Manager

Oliver Pettafor

Portfolio Manager

Luca Maraviglia

Senior Loan Analyst

John Pilbeam

Construction Director

Ben Trott

Loan Servicing Analyst

What we lend on

Four lending capabilities, one underwriting standard.

Property Finance

Originating senior debt opportunities directly or via co-investment agreements with other experienced industry lenders.
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Wholesale Finance

Providing senior and super senior debt financing to lenders in the property sector.
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Residential Real Estate Lending

Bridging, stretched senior development finance, construction and development exit for residential, mixed use and living sector schemes.

Loans of £2m–£50m

Commercial Real Estate Lending

Senior and whole lending against a broad range of commercial real estate sectors and asset classes, for professional sponsors and operators.

Loans of £2m–£200m
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Healthcare Real Estate Lending

Senior and whole lending against healthcare and social infrastructure assets, underwritten by a team that understands these as operating assets, not just buildings.

Loans of £15m–£200m
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Structured Credit Solutions

Loan on loan facilities to SME Real Estate lenders, funding a share of advances to underlying borrowers.

Facilities of £5m–£50m
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Insights

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Explore our latest news and insights.

2024 has laid the foundations for the UK housing market in 2025

Insight
26/11/2024
5 min
read
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2024 has laid the foundations for the UK housing market in 2025

Insight
26/11/2024
5 min
read
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2024 property outlook: is confidence set to return?

Insight
1/2/2024
5 min
read
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2024 property outlook: is confidence set to return?

Insight
1/2/2024
5 min
read
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Property outlook: Constructive long-term case for property despite headwinds

Insight
16/6/2023
5 min
read
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Property outlook: Constructive long-term case for property despite headwinds

Insight
16/6/2023
5 min
read
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2023 property outlook: Long-term structural drivers remain in place

Insight
10/1/2023
5 min
read
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2023 property outlook: Long-term structural drivers remain in place

Insight
10/1/2023
5 min
read
Learn more
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Downing LLP does not provide advice or make personal recommendations and investors are strongly urged to seek independent advice before investing. Investments offered on this website carry a higher risk than many other types of investment and prospective investors should be aware that capital is at risk and the value of their investment may go down as well as up. Any investment should only be made on the basis of the relevant product literature and your attention is drawn to the risk, fees and taxation factors contained therein. Tax treatment depends on individual circumstances of each investor and may be subject to change in the future. Past performance is not a reliable indicator of future performance. Downing LLP is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 545025). Registered in England No. OC341575. Registered Office: Downing, 10 Lower Thames Street, London, EC3R 6AF.

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