Commercial Finance

Commercial finance provides funding for businesses and investors looking to purchase, refinance, or develop commercial property. Unlike residential lending, commercial mortgages are assessed on the strength of the business, the property’s income potential, and the overall financial profile of the applicant. These products support everything from trading premises to large-scale investment portfolios.

Commercial Mortgages

Used to purchase or refinance property that will be used for business purposes.

• Suitable for trading businesses (e.g., offices, warehouses, retail units)
• Affordability based on business performance and profit
• Terms typically up to 25 years
• Available for owner-occupiers and investors

Semi-Commercial Mortgages

For properties with both residential and commercial elements.

• Examples: shops with flats above, mixed-use buildings
• Lenders assess both rental income and commercial viability
• Flexible for investors and portfolio landlords

Commercial Investment Mortgages

For investors purchasing income-producing commercial property.

• Affordability based on rental yield
• Suitable for offices, industrial units, retail, and multi-let buildings
• Often used for long-term investment strategies

Bridging Finance

Short-term funding for fast or complex commercial transactions.

• Useful for auction purchases, refurbishments, or time-sensitive deals
• Terms from 1–24 months
• Can be refinanced onto a commercial mortgage once works are complete

Development Finance

Funding for building, converting, or refurbishing commercial or mixed-use property.

• Covers land purchase and build costs
• Funds released in stages
• Suitable for new builds, conversions, and major structural projects

Limited Company Commercial Finance

For businesses or SPV limited companies purchasing or refinancing commercial property.

• Popular for tax planning and portfolio growth
• Lenders assess company accounts, projections, and director guarantees
• Flexible for experienced investors and trading businesses

Portfolio Commercial Finance

For investors with multiple commercial or mixed-use properties.

• Allows refinancing of several properties under one facility
• Lenders assess the portfolio’s overall yield and performance
• Useful for restructuring, raising capital, or scaling