Investing in commercial real estate such as offices, mixed-use developments, industrial, and warehouse developments can provide a sustainable and scalable way of building wealth. Our relationship managers take an entrepreneurial approach to commercial real estate lending and can help intermediaries on the island explore a range of lending options. Our solutions are designed to meet a range of complex structural requirements across a wide spectrum of borrowing needs.
No two commercial real estate investments are the same. And we’ll never offer you an 'off-the-shelf' solution. We’ll only offer our expertise and entrepreneurial know-how to build a unique commercial real estate lending package that helps you seize the opportunity now, for the long term.
Our lending options are structured around your specific circumstances and tailored to support your or your client’s individual aspirations. Whether it’s a new office for your own business, or a long-term investment in a mixed-use development, our relationship managers will talk you through the options that best support your goals.
How this commercial real estate lending works
Your commercial investment will be unique. We’ll consider the loan to value of the loan, with affordability from the rental income received as well as all pertinent factors to offer a truly bespoke commercial property lending solution.
Our Isle of Man business is a representative office which means that the money you borrow and account(s) you open are with the bank in Guernsey. Your banking relationship manager remains based in the Isle of Man.
We’re regularly supporting the world’s most trusted businesses through complex capital events like management buy-outs, mergers and acquisitions.
Support your clients as they grasp new opportunities. A portfolio loan lets your client access significant capital flexibly without liquidating their portfolio.
Relationship-based property development finance solutions for the full deal cycle, from first close and throughout.
Our local relationship managers will use their lending and property experience to design solutions unique to your clients and their ambitions.
ADDITIONAL SERVICES FOR INTERMEDIARIES
Investec Bank (Channel Islands) Limited is a wholly owned subsidiary of Investec Bank plc. This document is distributed by Investec Bank (Channel Islands) Limited which is licensed in Guernsey by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law, 2020, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law, 2020, and the Lending, Credit and Finance (Bailiwick of Guernsey) Law, 2022 to carry on banking and investment business and the provision of credit in respect of Consumer Credit and Home Finance. Registered Address: Glategny Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 1WR. Registered Number: 5845. The Jersey Branch of Investec Bank (Channel Islands) Limited is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law, 1991, as amended. The Jersey Branch address is 4th Floor, Liberation House, Castle Street, St Helier, Jersey, JE2 3BT. The Isle of Man Representative Office of Investec Bank (Channel Islands) Limited is regulated by the Isle of Man Financial Services Authority and its place of business address is Second Floor, The Old Courthouse, Athol Street, Douglas, Isle of Man, IM1 1LD.
Investec Bank (Channel Islands) Limited is a participant in both the Guernsey Banking Deposit Compensation Scheme and the Jersey Bank Depositors Compensation Scheme. These Schemes offer protection for “qualifying deposits/eligible deposits” up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5-year period. Full details are available on request or alternatively on the Guernsey Scheme’s website www.dcs.gg or on the Jersey States website www.gov.je/dcs which will also highlight the banking groups covered. No deposit placed with Investec Bank (Channel Islands) Limited has protection from the Isle of Man Depositors’ Compensation Scheme nor the Financial Services Compensation Scheme under the Financial Services & Markets Act 2000 of the UK.