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
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.
FAQ’s
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.
Want to know more?
Or to talk to us call
Our Commercial Finance expert is:
Luke Egan CeMAP
Luke’s career in the world of finance began when he joined Woolwich/ Barclays in 2005 at the age of 19 as a customer service agent within a year became a mortgage specialist and gained CeMAP 1,2 and 3. After 9 years with Barclays, Luke left to work for Pure Commercial finance (now Pure Property Finance) in 2014.
Post-recession the specialist property finance sector was growing as people looked for alternatives and more options for their projects. This intrigued Luke and presented a new challenge, especially as a new broker looking to establish themselves. He quickly realised this was the sector for him and describes every day as “Being completely different with a weird and wonderful section of deals and securities that certainly kept you on your toes”. Pure quickly became established as one of the ‘go to’ brokers, under the stewardship of Luke as ‘head of specialist property finance’ and was recognised with a number of awards including at the prestigious and industry leading Bridging and Commercial Awards: ‘best bridging broker’, ‘best development broker’ and finally ‘best commercial broker’.
One of Luke’s core strengths is speed, which is a key requirement for bridging related deals. He quickly identifies the key points in a deal which allows him to package appropriately; he is also quick to highlight any issues up front and provide mitigants, to ensure everyone is comfortable with the deal. Being able to react quickly and communicate effectively to minimise any hold ups is essential as only a few hours are available in which to get everything in place for the next stage of the application in some cases. Another of Luke’s key strengths is attention to detail, which may seem at odds with working quickly but that is the real skill of specialist finance - combining the best of both worlds makes the best packaging broker.
When he isn’t working, Luke’s hobbies are most sport, he enjoys watching Welsh rugby and he also supports Manchester United.
Luke Egan CeMAP
Luke’s career in the world of finance began when he joined Woolwich/ Barclays in 2005 at the age of 19 as a customer service agent within a year became a mortgage specialist and gained CeMAP 1,2 and 3. After 9 years with Barclays, Luke left to work for Pure Commercial finance (now Pure Property Finance) in 2014.
Post-recession the specialist property finance sector was growing as people looked for alternatives and more options for their projects. This intrigued Luke and presented a new challenge, especially as a new broker looking to establish themselves. He quickly realised this was the sector for him and describes every day as “Being completely different with a weird and wonderful section of deals and securities that certainly kept you on your toes”. Pure quickly became established as one of the ‘go to’ brokers, under the stewardship of Luke as ‘head of specialist property finance’ and was recognised with a number of awards including at the prestigious and industry leading Bridging and Commercial Awards: ‘best bridging broker’, ‘best development broker’ and finally ‘best commercial broker’.
One of Luke’s core strengths is speed, which is a key requirement for bridging related deals. He quickly identifies the key points in a deal which allows him to package appropriately; he is also quick to highlight any issues up front and provide mitigants, to ensure everyone is comfortable with the deal. Being able to react quickly and communicate effectively to minimise any hold ups is essential as only a few hours are available in which to get everything in place for the next stage of the application in some cases. Another of Luke’s key strengths is attention to detail, which may seem at odds with working quickly but that is the real skill of specialist finance - combining the best of both worlds makes the best packaging broker.
When he isn’t working, Luke’s hobbies are most sport, he enjoys watching Welsh rugby and he also supports Manchester United.
Luke Egan CeMAP
Luke’s career in the world of finance began when he joined Woolwich/ Barclays in 2005 at the age of 19 as a customer service agent within a year became a mortgage specialist and gained CeMAP 1,2 and 3. After 9 years with Barclays, Luke left to work for Pure Commercial finance (now Pure Property Finance) in 2014.
Post-recession the specialist property finance sector was growing as people looked for alternatives and more options for their projects. This intrigued Luke and presented a new challenge, especially as a new broker looking to establish themselves. He quickly realised this was the sector for him and describes every day as “Being completely different with a weird and wonderful section of deals and securities that certainly kept you on your toes”. Pure quickly became established as one of the ‘go to’ brokers, under the stewardship of Luke as ‘head of specialist property finance’ and was recognised with a number of awards including at the prestigious and industry leading Bridging and Commercial Awards: ‘best bridging broker’, ‘best development broker’ and finally ‘best commercial broker’.
One of Luke’s core strengths is speed, which is a key requirement for bridging related deals. He quickly identifies the key points in a deal which allows him to package appropriately; he is also quick to highlight any issues up front and provide mitigants, to ensure everyone is comfortable with the deal. Being able to react quickly and communicate effectively to minimise any hold ups is essential as only a few hours are available in which to get everything in place for the next stage of the application in some cases. Another of Luke’s key strengths is attention to detail, which may seem at odds with working quickly but that is the real skill of specialist finance - combining the best of both worlds makes the best packaging broker.
When he isn’t working, Luke’s hobbies are most sport, he enjoys watching Welsh rugby and he also supports Manchester United.
Luke Egan CeMAP
Luke’s career in the world of finance began when he joined Woolwich/ Barclays in 2005 at the age of 19 as a customer service agent within a year became a mortgage specialist and gained CeMAP 1,2 and 3. After 9 years with Barclays, Luke left to work for Pure Commercial finance (now Pure Property Finance) in 2014.
Post-recession the specialist property finance sector was growing as people looked for alternatives and more options for their projects. This intrigued Luke and presented a new challenge, especially as a new broker looking to establish themselves. He quickly realised this was the sector for him and describes every day as “Being completely different with a weird and wonderful section of deals and securities that certainly kept you on your toes”. Pure quickly became established as one of the ‘go to’ brokers, under the stewardship of Luke as ‘head of specialist property finance’ and was recognised with a number of awards including at the prestigious and industry leading Bridging and Commercial Awards: ‘best bridging broker’, ‘best development broker’ and finally ‘best commercial broker’.
One of Luke’s core strengths is speed, which is a key requirement for bridging related deals. He quickly identifies the key points in a deal which allows him to package appropriately; he is also quick to highlight any issues up front and provide mitigants, to ensure everyone is comfortable with the deal. Being able to react quickly and communicate effectively to minimise any hold ups is essential as only a few hours are available in which to get everything in place for the next stage of the application in some cases. Another of Luke’s key strengths is attention to detail, which may seem at odds with working quickly but that is the real skill of specialist finance - combining the best of both worlds makes the best packaging broker.
When he isn’t working, Luke’s hobbies are most sport, he enjoys watching Welsh rugby and he also supports Manchester United.