Finance for commercial property and business premises.
Buying the premises your business trades from, investing in commercial or mixed-use property, or refinancing what you already hold.
Most buy-to-let, bridging, development and commercial finance is not regulated by the Financial Conduct Authority.
Does this sound like you?
- Premises for your own business to trade from
- A commercial investment property, let to a business
- Mixed use, such as a shop with a flat above
- Refinancing a commercial loan that is coming to an end
- A business whose accounts need explaining rather than averaging
How commercial lending works
A commercial lender looks at the property, the income it produces or the business that will trade from it, and at you. Terms vary more widely than for residential mortgages, which is why the choice of lender matters so much.
Deposits are generally larger than for a home, and the lender will want to understand the business behind the application: its accounts, its trading history and its plans.
We take the time to understand the business first, then put the case to lenders who lend on property like yours.
Three steps. Honest at every one.
Tell us what has happened
A call, or a few lines on the form. No fact-find, no credit check at this stage, and no judgement.
We look at the whole picture
The reason, the timing, your income and your deposit, not only the score. If we cannot help, we say so quickly.
We find the lender and see it through
We put your case to specialist lenders who take a human view, and stay with you from application to completion.
Questions people ask about this
How quickly can I get a mortgage approved?
In some cases we can secure a decision in as little as 24 to 72 hours, especially for urgent situations such as bridging finance or an auction purchase. A full mortgage offer takes longer, and we tell you what to expect at the start.
Tell us about the property and the business.
A conversation, not an application. No obligation, and no judgement.