Semi-Commercial / Mixed-Use Mortgages

High Street Corner Building with Flats Above in a Kent Market Town

£1,100,000 · 20 years · 6.50% fixed 5 yrs. A property company acquired a prominent corner building in a Kent market town comprising two ground-floor retail units - one let to a national pharmacy chain on a long lease...

Category
Semi-Commercial / Mixed-Use Mortgages
Loan Amount
£1,100,000
LTV
63%

The Client

Property company

The Challenge

A property company acquired a prominent corner building in a Kent market town comprising two ground-floor retail units - one let to a national pharmacy chain on a long lease - and four residential flats on the upper floors. The pharmacy's institutional covenant was a significant asset in the application.

Our Solution

Doulton presented the pharmacy covenant as the centrepiece of the application. A national pharmacy chain on a long unexpired lease term is among the strongest commercial covenants available in the retail sector. The blended yield across all six units was assessed and found excellent. A semi-commercial lender offered their best-tier pricing.

The Outcome

Building purchased. The pharmacy covenant provided income certainty anchoring the whole investment. The four residential flats provided complementary yield. Gross blended yield: 7.4% on purchase price. Key highlights: National pharmacy covenant - best-tier lender pricing achieved; Long unexpired commercial lease anchored the investment; Blended gross yield of 7.4% across all six units.

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