The European real estate lending landscape is undergoing a structural shift. Regulatory pressure from Basel II and Basel III has led traditional banks to retreat from real estate debt—particularly in the mid-market segment—creating a persistent financing gap.
Patrimonium Asset Management’s Real Estate Debt strategy is designed to capitalise on this opportunity by providing senior secured financing solutions to established borrowers, while prioritising capital protection and stable income for investors.
By offering stretched senior and whole loans backed by real estate assets, Patrimonium fills the gap left by banks and delivers attractive risk-adjusted returns in a disciplined private credit framework.
The strategy builds on Patrimonium’s long-standing expertise across private credit and real estate equity, supported by a proprietary sourcing network developed over more than two decades.
Investments focus on refinancing existing income-producing assets, allowing investors to benefit from conservative underwriting, strong collateral protection and enhanced yield potential in a repriced valuation environment.
Stable and predictable income
Strong downside protection
Diversification
Inflation resilience