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.
0330 094 3333
