Commercial Property – Mortgages, Bridging & More

1. Commercial Mortgages

Long-term loans for purchasing or refinancing business premises.

Ideal for:

• Businesses looking for stability and predictable payments.

Advantages:

• Competitive interest rates.
• Spread repayments over several years.
• Build equity in your property.

Risks if you don’t have it:

• Missed opportunities to own instead of renting.
• Ongoing rent increases from landlords.

2. Bridging Loans

Short-term finance to ‘bridge’ the gap between buying and selling property or securing longer-term funding.

Ideal for:

• Quick purchases, auction buys, or urgent property deals.

Advantages:

• Fast access to funds.
• Flexible repayment options.
• Can prevent missed opportunities.

Risks if you don’t have it:

• Losing out on time-sensitive property deals.
• Reliance on slower traditional finance routes.

3. Development Finance

Funding for property renovation, refurbishment, or ground-up developments.

Ideal for:

• Property investors and developers.

Advantages:

• Tailored for large-scale projects.
• Funds released in stages to match build progress.
• Supports value-adding improvements.

Risks if you don’t have it:

• Delays in project completion.
• Missed potential profit from property upgrades.

4. Buy-to-Let Commercial Property Finance

Loans for purchasing property to rent to businesses or residential tenants in mixed-use buildings.

Ideal for:

• Landlords and property portfolio builders.

Advantages:

• Generate regular rental income.
• Benefit from potential property value growth.

Risks if you don’t have it:

• Limited ability to expand property portfolio.
• Dependence on cash reserves for purchases.

5. Refinance & Equity Release

Unlock cash tied up in your commercial property for reinvestment or business use.

Advantages:

• Improves cash flow.
• Funds can be used for expansion or debt consolidation.

Risks if you don’t have it:

• May miss opportunities for growth or investment.