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.
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 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 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.
We find the lender and see it through
We put your case to specialist lenders who take a human view, and guide you every step of the way.
Questions people ask about this
Can you help if I have been declined by a bank?
Yes. This is exactly where we add value. High-street lenders often use strict criteria. We work with specialist lenders who take a more flexible, human approach to underwriting.
Can I get a mortgage if I am self-employed or have complex income?
Yes. We work with lenders who understand self-employed income, contractor day rates, dividends and more than one income stream, not only standard payslips.
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.
Tell us about the property and the business.
A conversation, not an application. No obligation, and no judgement.