Financing commercial premises

If you have a client who is interested in purchasing a commercial property, an office, shop, or warehouse for example, we can assist. We work in partnership with intermediary only lenders, who appraise each application on its own merits, so we are able to offer completely unique solutions.

For business property owners

We are experienced in finding bespoke financial solutions for individuals who are either starting or adding to their commercial property portfolios or are active trading businesses looking to purchase a new commercial or retail property. It also applies to those wishing to re-mortgage their existing property.

Makes good business sense

Our extensive track record means we have exclusive access to lenders offering bespoke packages that are not available on the high street. By working with our network of like-minded professionals and drawing on our exemplary experience as a packager, we can arrange financial solutions for your clients, the likes of which you won’t find elsewhere.

Personalised process

Our level of involvement is up to you – we can liaise with your client directly (which reduces the onus of compliance on you), or we can liaise with them via you. We invest time in understanding their exact requirements and sift through our network of lenders to seek and match specific terms. Once our proposal is agreed we will formally apply on your client’s behalf.

Key features

Commercial Finance Summary

LTVUp to 100% in certain industries, 75% generally.
InterestCapital and Repayment or interest only.
TermUp to 35 years.
LocationUK wide.
Mortgage types
  • Commercial property purchases.
  • Commercial re-mortgages.
Property types
  • Commercial properties.
  • Business premises.
  • Retail premises.
Client types
  • Property investors.
  • Business owners.
  • Retail premises owners.
Client scenarios
  • Starting property portfolio.
  • Adding to existing property portfolios.
  • Remortgaging existing properties.


How could my client benefit from a commercial mortgage?

A commercial mortgage helps protect your client’s business against rent increases and it is also a valuable source of business funding as the equity increases. Commercial mortgages enable your client to consolidate business debt, release capital to grow the business or buy new equipment.

What commercial finance eligibility checks could my client expect?

The lender would typically look at project income, trading accounts, (full accounts, credits and assets), cash flow, bank statements and any outstanding debts. They would need to see proof of ID (such as passport or driving licence) and proof of residence (such as utility bill or bank statement) as well as considering your client’s ability to pay the deposit.

This is a new business for my client, would they be considered?

Yes, there are finance options for new businesses without trading history. In such cases lenders will usually accept an existing property (such as a residential property) as security.

What fees can my client expect on commercial finance?

Projects are assessed on a case-by-case basis with different fees with different structures being charged but fees typically include: broker fee, application fee, legal fees, valuation fee, administration fees and exit fees.

What is the usual term on a commercial mortgage?

There is no set loan term for a commercial mortgage, it depends on the individual circumstances of the business and the business owner, so it can range from between 5 to 40 years.

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