REAL ESTATE & INVESTMENT
Melvyn Capital Partners is a family owned boutique investment company specialising in alternative investment & funding solutions.
As a business with roots in retail and property going back to 1964, we understand the gravity of speed & personal relationships when it comes to funding.
– Melvyn Capital Partners
About Us
Looking to the future without forgetting our past.
Melvyn Capital Partners is a family owned boutique investment company based in London, UK.
Whilst our core investment activity is in the commercial and residential property market, we exercise a series of mandates in alternative investments as well as offering SME/Micro private equity solutions and secured financing.
Our board consists of second generation family members and professionally accredited advisers. We pride ourselves on our ability to act fast and build strong relationships with partners and clients.
Paul Clarke
Partner
Samantha Palan
Partner
Bernadette Clarke
Partner
Quentin Spicer
Non Executive
Mark Williams
Non Executive
About Us
Looking to the future without forgetting our past.
Melvyn Capital Partners is a family owned boutique investment company based in London, UK.
Whilst our core investment activity is in the commercial and residential property market, we exercise a series of mandates in alternative investments as well as offering SME/Micro private equity solutions and financing.
Our board consists of second generation family members and professionally accredited advisers. We pride ourselves on our ability to act fast and build strong relationships with partners and clients.
Paul Clarke
Partner
Samantha Palan
Partner
Bernadette Clarke
Partner
Quentin Spicer
Non Executive
Mark Williams
Non Executive
Private Investment
SME/Micro Enterprise Private Equity
From high street retailers to international suppliers, we aim to support established local businesses and their communities providing a personal, focused approach to funding.
As a boutique family office, we are well placed to deploy funds effectively and time sensitively.
We offer key supporting roles to help businesses in expansion phases and buyouts.
Commercial & Residential Property
Our primary investment activity is in UK residential and commercial property markets focusing on value driven acquisitions.
All assets are managed in-house using bespoke systems via our TenantHome® company.
In recent years, we have diversified our property investment mandate, expanding acquisitions to continental Europe as well as offering Joint Venture partnerships with property professionals on a case-by-case project basis.
Alternative Investment Mandate
The world and its markets are constantly changing from one decade to the next; being subjected to new political and economic forces.
We maintain an ongoing review of new alternative sources of investment to diversify our portfolio.
From classic tangibles to contemporary intangibles, we appraise both short term and long term opportunities.
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Property Finance
Fast and Flexible Finance Solutions
We offer a range of lending products to property professionals, individuals and businesses seeking fast and flexible funds.
We are able to offer lending facilities to individuals and businesses using residential (investment only), commercial and semi-commercial property.
Interest and fees can be rolled up into the loan, allowing zero up-front costs.
We value transparency and simplicity. Offers in principle are made within 24 hours, and there are no hidden fees. Our online portal allows you to track your balance and payments 24/7.
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Bridging Loans
Our state of the art processing and underwriting process ensures we offer the fastest possible turnaround from data collection to deploying funds.
Available Terms:
♦ First Charge up to 70% LTV
♦ Second Charge up to 60% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ Suitable for: property purchase, light refurb, second charge loans
Rates & Fees:
♦ Rates from 0.85% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Auction Finance
We are able to delivery auction finance in a matter of days and can approve an application prior to auction.
Available Terms:
♦ First Charge only up to 70% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ Pre-approval of funds before going to auction
Rates & Fees:
♦ Rates from 0.85% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Permitted Development & Conversions
Funding for heavy refurbishment and permitted development/planning granted conversions.
Available Terms:
♦ First Charge only up to 65% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ 100% build costs available
Rates & Fees:
♦ Rates from 0.95% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Business Lending
Business liquidity solution provided by asset backed lending where funds are required for cashflow.
Available Terms:
♦ First Charge up to 70% LTV
♦ Second Charge up to 60% LTV
♦ Loans from £50,000 – £1m
♦ Terms from 1 – 18 months
♦ Residential, commercial, mixed-use property
♦ Minimum property value £200,000
♦ Suitable for: acquiring stock, new premises, expansion phases
Rates & Fees:
♦ Rates from 0.85% to 1.95%
♦ 2% Arrangement Fee
♦ £0 Admin Fee
♦ £0 Early Repayment Charge
♦ £0 Up-front: Interest and fees can be rolled up into the loan
♦ Legal & Valuation Fees: Solicitors engaged to draw up loan agreement and register charge on title: £500-1500, + £250 Redemption Charge to remove title charge on repayment, + £25 CHAPS payment fees. Sometimes legal fees must be paid by the client direct to the appointed solicitors and are unable to be rolled up.
Worked Example
This example is based on the following assumptions:
♦ £150,000 Bridging Loan
♦ 0.95%
♦ 2% Arrangement Fee (£3000)
♦ £1250 Legal & Valuation Fees (total)
♦ Rolled up Interest and Fees
♦ 6 Month Term
| Month | Loan Amount | Interest 0.95% | Total Owed |
| Fees | 4250 | – | – |
| 1 | 154,250 | 1465.38 | 155,715.38 |
| 2 | 155,715.38 | 1479.30 | 157,194.67 |
| 3 | 157,194.67 | 1493.35 | 158,688.02 |
| 4 | 158,688.02 | 1507.54 | 160,195.56 |
| 5 | 160,195.56 | 1521.86 | 161,717.41 |
| 6 | 161,717.41 | 1536.32 | 163,253.73 |
Looking for JV partnerships? See Private Investment above.
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Philanthropy
Melvyn Clarke 1941 – 2020
In loving memory of Melvyn Clarke, husband, father and grandfather who fought a noble battle against Motor Neurone Disease in the last year of his life. We dedicate funds every year to support the ongoing research and care given to those suffering with Motor Neurone Disease and their families.
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