July 3, 2026

New healthcare proposition, lower rates and broader appetite

Most lenders are built for the straightforward stuff – the clean purchase, the standard buy-to-let, the borrower who ticks every box without anyone looking twice. 

How many of those deals land on a broker’s desk every week? The reality of commercial property finance is more complex than we’d all like.

The experienced care home operator who wants to expand. The first-time landlord buying a mixed-use property. The expat investor with a strong track record, held back by geography. These are the kinds of clients brokers work with every day. They’re often great borrowers with strong assets, but they don’t fit neatly into standard criteria. 

Our aim is to always try to deliver practical, realistic lending. So, we’ve broadened our appetite. 

Here’s what’s new: 

Healthcare investment proposition 

We can now lend against residential care properties on an investment basis, including care homes, nursing homes and group homes run by experienced providers. We can also consider certain properties let to local authorities or housing benefit-funded tenants under commercial lease arrangements. 

0.25% rate reduction across our specialist buy-to-let range 

A straightforward improvement to affordability for borrowers. 

Support for first-time landlords 

Where a commercial investment property has at least 25% residential use and a professional management agent in place, we’re open to first-time landlords. 

Expanded support for expat borrowers 

We’ve broadened our appetite for expat borrowers across commercial investment mortgages, creating more options for family-owned businesses and investment structures. 

Good deals don’t always look the same.

These changes give brokers new ways to place cases that deserve a closer look. With a lending team that want to understand the detail behind the deal, more deals become possible. 

Got a case to discuss? We’d love to hear from you. 

Introducers@allica.bank 

0330 094 3333 

About Allica Bank

Allica Bank is a UK bank built specifically for established businesses with between 5 and 250 employees. These businesses form a vital part of the UK economy, yet often receive impersonal and inflexible service from traditional banks.

Visit Allica Bank

Allica’s mission is to deliver no-nonsense banking that combines face-to-face support with modern technology. Through experienced business development managers and underwriters, the bank works closely with broker partners to provide clarity, consistency and collaboration throughout every case.

Allica Bank offers a range of lending solutions, including bridging finance, commercial mortgages, asset finance and growth finance, supporting brokers and their clients at every stage of the funding journey.

Any questions regarding Fiducia Commercial Network’s International and Ex-pat Property Finance proposition, please contact the BDM team – bdm@fiduciagroup.co.uk

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About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance ‘Appointed Representative’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years’ experience in commercial finance.

If you’d like to discuss joining Fiducia Commercial Network or you’d like to apply to become an Appointed Representative…

SPEAK TO OUR TEAM

To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.