£1.5m raised for a Birmingham commercial portfolio: Canada-based British expat

Illustrative property image — not the clients’ actual property.

Reported capital raised

£1,500,000

Portfolio value reported

£2,400,000

Source account date

March 2022

Structure

Company share purchase

Borrower based mainly in

Canada

Location

Birmingham

Challenge

According to Clifton Private Finance’s March 2022 account, a British national who already owned UK high-street commercial property leases wanted to expand his holdings. He had sold his UK home and spent 90% of his time in Canada. Overseas residence, high-street property exposure and a share purchase narrowed the available finance options.

Solution

Clifton Private Finance, the arranging team named in the original account, sourced finance for a structure in which the borrowing entity differed from the entity holding the properties. Clifton International is publishing an attributed summary of that external account; this is not a Clifton International transaction.

Funding structure

The source reports £1.5m capital raised and a proposed Birmingham portfolio valued at £2.4m, comprising shops, offices and retail showrooms. A newly formed UK limited company, funded by a director’s loan, was used to purchase shares in the portfolio holding company rather than acquire the properties directly. Historical rates and fees are intentionally not reproduced; no current pricing or exact LTV is inferred.

Outcome

Clifton Private Finance reports securing finance for the portfolio acquisition. This is a historical, case-specific account dated March 2022, not evidence of current terms or a guarantee that another Canada-based applicant will qualify.