We can secure competitive rates for:
Offices
Including shared office space for the growth in sole-trader businesses and SMEs, and co-working spaces. Forward-looking investors and developers are piggy-backing on the market growth led by the high-profile branded co-working spaces such as WeWork, developing sites such as BaseCamp Liverpool, The Assembly Manchester and Industry in Chester.
Read our blog: Development finance for office to residential conversion
Retail outlets
The face of retail is changing, both on the high street and away from city centres, in housing and office developments. We work with entrepreneurial lenders who are ready to invest in newly developed opportunities.
Mixed-use premises
The combination of residential with commercial premises has traditionally been problematic, but we have lenders who are keen to get involved in financing mixed-use properties, up to 75% LTV, and above, including residential above shops and restaurants.
Read our case study: Finance to develop flats above restaurant in Tooting London
We’re also experienced in finding finance for rural estates that include residential rental properties and small business premises in converted outbuildings:
Read our case study: Splitting land titles on a country estate allows purchase with residential and buy to let mortgages
Factories and industrial units, and warehouses
The growth in off-the-high street and online retailing is offering more opportunities to investors looking for opportunities in acquiring and developing small industrial estates. And some of them are taking a more active role in encouraging synergies between the on-site businesses.
Restaurants & cafes
The decline in the formal UK restaurant market is leading to new opportunities for more relaxed and convenient food providers, including centralised takeaway hubs.
Meanwhile, the café market is still growing strongly, off the growth of the coffee economy: three coffee shops opening every day in the UK, with the number of coffee shops set to overtake pubs by 2030.
Lenders are keen to support developers stepping into these growth markets, including the development of food outlets on trading estates.
Nursing and care homes
The changing face of the social care industry is making waves in the nursing and care home property market. Established care home operators face a pressing need to upgrade ageing properties, creating opportunities for developers buying up and converting old stock.
We have extensive experience sourcing finance on care home developments and conversions. Read our case studies:
Finance to complete a care home development project in south west London
Development finance to convert care home to 4 flats
Bridging loan to purchase and convert Swindon care home into flats
Portfolio buy to lets
The complexities of portfolio investment property holdings calls for the detailed, personalised approach we take to the issues that our clients present.
Advising on portfolio finance is a particular strength of ours. Restructuring finance across your holding can free up unencumbered properties that are available as security for future finance. Read our blogs:
Facility to expand property portfolio
How to remortgage a buy to let portfolio
HMOs (Houses in multiple occupancy)
We work with numerous landlords exploring the investment advantages of acquiring or converting properties to accommodate more tenants and improve their ROI.
While we can’t advise you on the detail of licensing requirements, will be able to take your finance application to the lender who will look most favourably on your particular circumstances.
Read our blog: HMO Mortgages – How To Finance An HMO Property
Development land
Locating development land opportunities and acquiring planning permission is seldom a swift process.
We’re always ready to get involved at the outset, to scope out your finance opportunities and work with you throughout the stages of development, from feasibility study through to marketing and sales.
Short term commercial loan to purchase property & land in Reading for development
Bridging loan for Scottish wind turbine development
Our Commercial Mortgage refinance service
Our independent commercial mortgage refinance broker service offers:
- Access to the whole market – We can compare most UK lenders who are prepared to provide commercial mortgages.
- Market leading commercial interest rates - Depending on your requirements we work with high street banks through to specialist lenders.
- Terms of finance – We can arrange both short-term and long-term lending options from 3 months to 30 years.
- 75% LTV – We can source commercial mortgages up to 75% of the property value ( in some cases this can be higher).
