Commercial Property Finance

Common uses include:

• Buying a commercial property before selling another asset.
• Funding refurbishments or conversions.
• Buying property at auction.
• Completing a deal while waiting for refinance approval.

• Limited companies
• Partnerships
• Sole traders
• Property developers or investors

As long as you have viable security and a believable exit strategy, you’re in the game.

Typically for 12 months, however can be arrange for up to 2 years with an additional payment plan (subject to case approval).

This would depend on the property’s market value. However, if you offer additional assets as security, you might be eligible for higher LTV ratios.

With clean paperwork, valuation, and legal work, you can get funding in as little as 2 days.

Depending on risk, property type, LTV, and your exit strategy; this will determine your rate of interest. Lower risk = lower rate. Unfinished buildings, land, or complicated deals will cost more.

• Rolled-up: Paid at the end of the term.
• Retained: Deducted upfront from the loan.
• Serviced: Paid monthly, like a standard mortgage.

• Arrangement fee
• Valuation fee
• Legal fees (yours + ours as a lender)
• Broker fee (if applicable)
• Exit fee: Though can sometimes be waived depending on case

Always consider the total cost of borrowing; including interest, setup, and exit fees, to understand the full financial picture.

Anything with tangible value, including:

• Offices
• Retail units
• Warehouses
• Industrial premises
• Development land
• Semi-commercial properties (shop + flat above)