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and fees .... with "fixers", sorry Investment Managers, charging 3-5% fee for structing a loan, not to be sniffed at at £20m on a £400m loan. And then repeating this each time a loan is paid of by another loan!!

When you think most commercial loans are going to be at least 10% ish in the current climate, the repayment for this season alone wouldn't have covered the interest on £400m, bloody 'ell!