Property Finance
Own the premises you trade from.
Owner-occupier, investment and semi-commercial mortgages to 75% LTV.
- Facility range
- £100,000 to £25m
- Term
- To 25 years
- Maximum LTV
- To 75% LTV
- Use
- Owner-occupier and investment
What it is
Owner-occupiers are assessed on affordability from trading accounts, while investment purchases are assessed on rental income against the property. Semi-commercial premises, a shop with a flat above for example, sit across both and need a lender comfortable with mixed use.
The arithmetic often surprises owners who have only ever rented: buying instead of renting frequently costs a comparable amount each month, with the asset landing on the balance sheet instead of a landlord's. Refinancing existing commercial debt to release capital for growth or to repay more expensive borrowing is a common and straightforward use of the same product.
Who it suits
- Owner-occupiers buying the premises they currently rent
- Investors purchasing commercial or semi-commercial property to let
- Businesses refinancing existing commercial debt to release capital
- Owners comparing the monthly cost of buying against renting
Start an enquiry
Tell us what you need to fund.
How it works with us
01
We confirm whether the purchase is owner-occupied, investment or semi-commercial
02
We assess affordability from trading accounts or rental income, whichever applies
03
Terms return within 24 hours from lenders who understand the property type
04
Completion follows a standard conveyancing timeline, coordinated with your solicitor
Questions
Related products
You might also need.
Bridging Finance
Short-term property finance arranged at speed, exit-led.
£50,000 to £25m
Business Loans
Unsecured and secured lending against turnover and bank conduct.
£25,000 to £5m
Development Finance
Land and build funding drawn in stages against certified progress.
£250,000 to £50m
Or see the full range of commercial finance we arrange.
