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Karbon Homes restructures debt to boost capacity

We've unlocked significant financial capacity  to deliver our strategic objectives through a debt restructure and obtaining new funding.

Alongside achieving EBITDA-only interest cover covenants, we've renegotiated a range of improved terms across £235m of our funding facilities with four of our existing funders, including a new 10-year, £54m loan agreed with NatWest generating significant interest savings of over £3m.

The result ensures we're on track to deliver the commitments in our 2024-29 ‘Stronger Foundations’ strategic plan, which includes being financially strong to maximise investment in existing and new homes.

Scott Martin, Executive Director of Resources at Karbon Homes, said: “We’re very pleased with the result of this recent financing review, which will ensure our investment in our existing homes, our commitment to building new, affordable homes and our continued delivery of valuable work across communities, is supported by our funding structures.

“The excellent outcome reflects the great partnership working throughout, with all parties taking the time to fully understand Karbon as a business and our key objectives, and working quickly and effectively together to deliver a collectively beneficial outcome.”

Savills Financial Consultants (SFC) was appointed as treasury advisor for the review of our financing structure and facilities with both bank and private placement funders, which examined key areas to unlock financial capacity and provide enhanced flexibility.

George Flynn, director at SFC, said: “Working with the Karbon team on this exciting, innovative and important process has been brilliant. We are really proud to have supported Karbon through these critical negotiations in order to optimise and simplify its financing structure and to unlock significant financial capacity. We look forward to continuing to support Karbon in the future as they continue to deliver their ambitious strategy.”

The new funding package includes renegotiations with four existing funders – including NatWest, Lloyds Bank, Santander UK and the private placement investor – and delivered the following benefits:

  • Significant interest cost savings with margin optimisation on term facilities and a new 10-year, £54m loan agreed with NatWest at competitive all-in rates. We generated significant interest savings of over £3m
  • Improved financial covenant definitions: We optimised both our interest cover and gearing definitions, achieving a result that gives us a great deal of future flexibility and resilience
  • Wider benefits: lenders were also supportive of enhancing asset cover levels and adding greater flexibility to our on-lending and merger terms
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