Stabilisation Finance

Stabilisation Finance The UK podcast on funding the gap between a finished commercial building and a fully let, fully trading one. Hosted by Georgina, every episode explains how lenders size and underwrite the short-dated debt that carries a newly built, refurbished or part-let property across the stabilisation window, then onto investment term debt or a sale. Practical, current, and grounded in real market data. A newly built, refurbished or part-let commercial property is worth far less the day it completes than once it is stabilised. Stabilisation finance is the short-dated debt that bridges that gap. The single most important idea, and the one every episode of Stabilisation Finance comes back to, is this: a lender sizes the debt on the path to stabilised income, not on today's income, and a credible exit has to be there from day one. Loan to value during lease-up sits indicatively at 65 to 75 percent. This is the show for the people who build, buy, own, invest in or advise on UK commercial property through the lease-up phase: developers, investors, operators and the professionals around them. We cover the full range of property stabilisation finance, from stabilisation bridge and development exit, to bridge-to-term, lease-up and refurbishment to stabilisation, to mezzanine and preferred equity, cash-out refinance and senior investment term loans. We explain what a lender actually tests: the occupancy trajectory, the debt yield, the DSCR and ICR cover tests, and day-one value versus stabilised value. We are a broker and introducer, not a lender. We arrange, place and structure the debt across the lender camps that fund it: specialist bridging lenders, development-exit lenders, real estate debt funds, mezzanine and preferred-equity providers, and senior investment lenders, including clearing and insurance-backed names. We also explain how the Bank of England base rate, at 3.75 percent, feeds through to the cost and shape of the debt. Every figure is grounded in current data. We draw on CBRE, Savills, Knight Frank, JLL, the BDLA and the Bank of England, so you get credible numbers rather than guesswork: UK commercial property investment of around 62.8 billion pounds in 2025, prime yields by sector, and the lease-up curves that decide a facility. The aim is simple. Help you read your own scheme the way a lender reads it, and present it to the right lender on the right terms. Hosted by Georgina at Stabilisation Finance, with written analysis by founder Matt Lenzie. New episodes land quarterly, with the occasional bulletin when the rate cycle or the market picture shifts.