From commercial mortgages to short-term and business funding, each area has a clear owner and a plain explanation of the terms before you commit.
Finance to buy or refinance premises a business owns and occupies, or holds as an investment.
Learn moreFunding for residential and commercial investment property, including portfolios.
Learn moreShort-term funding to complete quickly or bridge a gap, where offered.
Learn moreFunding for ground-up development and major refurbishment, where offered.
Learn moreWorking capital, asset and other commercial funding solutions, where offered.
Learn moreProperty, liability and business insurance for commercial clients, where permitted.
Learn moreCommercial mortgages versus buy-to-let, bridging exits, regulation, fees and timescales.
A buy-to-let mortgage funds a residential property let to tenants on a residential tenancy. A commercial mortgage funds premises a business owns and occupies, or property held as a commercial investment, and the lender assesses the trading business or the commercial tenant behind the loan. The two are underwritten differently, so the right route depends on how the property is used.
The exit is how a short-term loan will be repaid at the end of its term, for example a sale of the property or a refinance onto a longer-term facility. Short-term finance only works where there is a clear, realistic exit, so we confirm how the finance will be repaid before anything else. Availability is confirmed case by case.
It depends on the product. Some forms of commercial finance are not regulated by the FCA, for example many commercial mortgages and much business lending, while others may be. We explain how a given product is treated before you proceed, and we arrange finance only where it is within our permissions.
We may be paid by a fee, by a commission from the lender, or by a combination of the two, and this varies by product and lender. We set out how we will be paid on your case clearly, in writing, before you commit to anything.
Timescales depend on the product, the lender, the valuation and the legal work, and they vary case by case. Short-term finance can move quickly where the lender and legal work allow, while a commercial mortgage or development facility usually takes longer. We keep the case moving and set expectations at the outset.
A short conversation, no cost and no obligation.
Book a Conversation