Expert call · Senior lender · Europe

Senior lender, Europe: your answer wanted

72% of 134 lenders surveyed plan to raise 2026 origination, but 66% will not lend against an asset that fails a sustainability screen without an improvement plan.

1. On a €50m, five-year senior loan against a stabilised, EPC-A Munich office, what LTV and margin would you quote this week, and what changes at EPC-D with no capex plan? Ranges are fine.

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