Property Finance Solutions

Commercial property finance covers a wide range of situations including owner-occupied business premises, investment properties, development projects, portfolio acquisitions, and refinancing of existing property debt. Each requires a different approach and a different set of lenders.

We have arranged property finance from small commercial mortgages through to complex multi-property portfolio transactions. We know which lenders are right for which situations, and we will tell you the truth about what is realistic for yours.

Commercial Mortgages

Long-term lending secured against commercial property. Used for owner-occupied business premises or investment properties. Rates, terms, and LTV vary significantly across the market, the right lender depends on the property type, your business profile, and the use case.

Semi-Commercial Mortgages

For properties that are part commercial, part residential such as a shop with a flat above. Specialist lenders are required and the assessment criteria differ from both purely commercial and purely residential lending.

Development Finance

For property developers undertaking new build or significant refurbishment projects. Lenders advance funds against the gross development value (GDV) of the completed project, in tranches as work progresses.

Bridging Finance

Short-term property lending see our Bridging Finance page for a full explanation of when this is and is not appropriate.

Portfolio Refinancing

For landlords and investors with multiple properties seeking to restructure existing debt, release equity, or consolidate facilities.

Commercial property finance is an area where the difference between an appropriate and inappropriate lender or an appropriate and inappropriate structure can be significant in cost and consequence.

We regularly see businesses and investors approach lenders directly, or engage brokers without specialist property finance experience, and receive terms that are materially worse than what the market would otherwise offer. Sometimes the structure itself is wrong, short-term lending where long-term finance would have been more appropriate, or the wrong LTV assumption creating unnecessary complications at drawdown.

If you are refinancing, it is also worth assessing whether your existing terms are still competitive. The market changes, and lenders who were appropriate at origination may not be the best option at renewal.

We assess the property, the business or investor profile, the purpose, and the exit before we identify the right lender. 

We work with a panel that includes mainstream banks, challenger banks, specialist property lenders, and private credit providers.

We will tell you honestly what is achievable, what the realistic timeline looks like, and what the deal will cost in full. 

All commissions are disclosed before you commit to anything.