Commercial Finance UK

Getting the Highest LTV on Your Commercial Mortgage 75% LTV is the ceiling most lenders will go to on a commercial mortgage in the UK, and it is not automatic. A strong owner-occupied case with a trading business behind it can reach 75% to 80%. A weak investment case with a short lease and an […]

Second charge mortgage lending gives property investors, developers, and business owners a practical way to tap into the equity in a property without disturbing their main mortgage. Instead of replacing the first charge loan, they can simply add a second charge loan to raise extra funds. People often use this option to help finance a […]

Energy efficiency was once an afterthought for property investors. Today it is treated as a genuine investment. Landlords and property developers across the UK are working to raise a property’s Energy Performance Certificate (EPC) rating, and the reasons go well beyond the environment. A better rating can help secure stronger loan terms, higher property values, […]

With the UK economy shifting quickly, businesses need to keep enough cash on hand at all times. Rising prices, higher interest rates, and tighter access to credit mean that protecting cash-flow matters more than ever. A growing number of businesses are turning to sale-and-leaseback to raise capital without disrupting their operations. In simple terms, a […]

The UK economy has changed a great deal over the last few years. Some of these shifts are driven by wider economic forces, while others follow major policy changes made by the government. The Levelling-Up agenda was one of the most significant. It was launched as a national programme aimed at giving every region fairer […]

The market for British expat and expatriate mortgages in the UK has changed a great deal in recent years. More British people living abroad want to buy commercial property back home, driven by a shifting economy, new rules, and changing investor priorities. Interest in British expat mortgages for commercial property has grown steadily as a […]

When buying or renting property in the UK, energy efficiency is now one of the most important things to think about. The government wants to make the Energy Performance Certificate (EPC) standards stricter. As a result, commercial property owners and investors are thinking about how to pay for, refinance, and protect their assets in the […]

Many businesses in the UK see their net income go up and down with the seasons. For example, a retailer might depend on holiday sales, while a manufacturer might see demand go up and down. Because income is seasonal, it’s important to have good financial plans in place to keep the business running and help […]

When structured correctly, owner-occupied commercial mortgages can have a big effect on a business’s financial health, especially if it is set up to be as tax-efficient as possible. Most business owners in the UK think about ways to lower their liability while growing their business and protecting their assets. This guide will clearly explain how […]

Getting the funds you need or missing out on them can be the difference between business success and failure. It’s essential to find the right financial solution if you want to grow your business, buy new equipment or machinery or build some essential cash flow. This is when the services of a commercial finance broker […]

Maintaining an efficient flow of capital in business is quite challenging. If you are a mid-size manufacturer, the owner of a growing logistics firm, or an operator of multiple branches, you are probably aware of how difficult it is to keep operations running smoothly. And more than half of the difficulty comes from capital flow. […]

Many people believe false ideas about commercial mortgages. These myths can stop business owners from getting the funding they need. Let’s clear up some common misunderstandings. Commercial mortgages are not just for the rich. Anyone with a solid business plan can apply. Banks look at the business’s income and growth potential, not just the owner’s […]

Commercial mortgages are specialised loans for purchasing or refinancing business properties. These loans differ from residential mortgages in key ways. Commercial mortgages typically cover up to 70% of a property’s value and can have terms lasting up to 25 years. This short video details all of the variables you need to consider when looking to […]

Commercial property offers significantly higher yields than residential, though the latter is far more popular with investors, analysis by London lettings and estate agent Benham and Reeves has found. Across the UK commercial property investment offers average annual yields of 10.7%, compared to just 3.4% for residential. The best commercial property yields are found in […]

House prices have seen record rises between March 2020 and 2021, according to new data from the Office for National Statistics. In spite of worries about the economy and the housing market since the onset of the global pandemic, property prices in Kent and the UK more broadly have remained strong. Overall, our county has […]