Commercial Mortgages
High-level funding for businesses and commercial property investors. Stop paying rent and start building equity, or expand your investment portfolio.
Funding Enterprise
Commercial finance is complex and bespoke. Whether you are buying the premises you trade from, or adding a retail unit to your investment portfolio, we structure the debt to match your company's fiscal strategy:
Owner-Occupier Mortgages
Why pay off your landlord's mortgage? Purchasing your own trading premises secures your
business's future and builds balance-sheet equity. Lenders will typically fund up to 75% of
the property value, underwriting the loan based on your company's historic trading
performance and EBITDA.
Commercial Investment
For investors purchasing properties to let out to other businesses (retail shops,
warehouses, office blocks). Because commercial leases are often much longer than residential
tenancies (e.g., 5-10 years), they offer excellent long-term yield stability.
Semi-Commercial (Mixed Use)
Properties that combine both commercial and residential elements—for example, a retail shop
on the ground floor with residential flats above. These require specialist 'mixed-use'
underwriting, often providing higher yields but demanding rigorous tenant covenants.
Unsecured Business Loans
Fast-track injections of working capital without taking a legal charge over your property.
Often used for equipment purchases, rapid expansion, fulfilling large orders, or navigating
seasonal cashflow fluctuations, with decisions frequently made within 24 hours.
Navigating the Commercial Market
Commercial lending isn't standardised like residential mortgages; it relies heavily on negotiation and institutional relationships. We connect you directly with key decision-makers at tier-one banks, challenger banks, and specialist commercial funds.