Lending Options
Commercial Property Finance
Commercial property finance covers a range of solutions for clients purchasing, refinancing, or developing commercial, mixed-use and residential properties.
Lender criteria varies depending on the property type, borrower profile, and intended use. Whether funding an investment, acquiring business premises, or undertaking a development project, understanding lender preferences and structuring the right finance package is key to securing the best outcome for your clients.
Types of Commercial Property Finance
There are various commercial property finance options to suit different client needs, from purchasing rental investments to funding developments or securing business premises. Below is an overview of the key solutions available.
This type of commercial mortgage is used to purchase or refinance a property from which a company operates or intends to operate from. Lenders assess affordability based on business performance and security.
Commercial Investment Mortgages are used to purchase or refinance commercial or semi-commercial properties that will be rented out to other companies for their operations. Lenders focus on rental income, tenant strength, and property type.
Semi-commercial properties are split between commercial and residential elements within a single property. Lenders can vary in the way that they assess semi-commercial properties. Their assessments can see the property split by floor space area, property value or rental income value.
Buy-To-Let (BTL) mortgages are designed for individuals or companies purchasing property as an investment to rent out rather than as a primary residence. Lenders assess BTL applications differently from residential mortgages, typically considering the property’s potential rental income alongside the borrower’s financial profile.
Bridging loans have various purposes, including auction purchases, quick purchase requirements, refurbishment and development periods and equity release for working capital. Lenders focus on exit strategies, security, and borrower experience.
Property Development Finance is designed to support property development projects. This type of finance can fund new builds, conversions and large refurbishments. Lenders assess project viability, costs, and borrower experience, with staged drawdowns aligned to progress.
Product specialist lenders offer industry-specific financing solutions tailored to the unique needs of businesses and property investors in specific sectors. Their expertise, customised products, faster decision-making, specialised risk assessment, and relationship-based approach make them valuable partners for businesses operating in their target industries.