Guides
Commercial finance, explained without the jargon.
Short, plain-English guides to how commercial property finance works in the UK. Written to help you ask better questions, not to sell you anything.
About 2 minutes · No obligation · UK enquiries
Category
Commercial mortgages
Buying or refinancing the premises your business occupies.
- Commercial mortgages
What information does a commercial mortgage lender require?
From the first conversation to a formal application, here's the information and documents commercial mortgage lenders typically ask for, and why.
7 Sep 20264 min read
- Commercial mortgages
How much deposit do you need for a commercial mortgage?
Deposit expectations for commercial property are usually higher than for a home, and they vary with the lender, the property and the business. Here's what shapes them.
7 Sep 20264 min read
- Commercial mortgages
How does a commercial mortgage work?
A plain-English walk through commercial mortgages: what they are for, how lenders assess them, what the process looks like and how they differ from a residential mortgage.
7 Sep 20264 min read
- Commercial mortgages
Can a limited company get a commercial mortgage?
Yes, and it's very common. This guide covers trading companies, SPVs, what lenders look at behind the company, personal guarantees and the questions to ask before choosing a structure.
7 Sep 20264 min read
Category
Bridging finance
Short-term funding, exits and how bridging compares with a mortgage.
- Bridging finance
How does bridging finance work?
Bridging loans are short-term, secured and built around an exit. This guide explains when they're used, how interest and fees usually work, and what lenders want to see.
7 Sep 20264 min read
- Bridging finance
Bridging finance vs commercial mortgage: which is right for your deal?
Two very different tools for two very different jobs. This guide compares bridging and commercial mortgages on purpose, speed, cost, term and assessment, and explains when each tends to be used.
7 Sep 20264 min read
Category
Development finance
Funding builds, conversions and refurbishments, and the terms lenders use.
- Development finance
What does GDV mean in property development?
GDV, or gross development value, is the estimated value of a finished scheme. This guide explains what it is, how it's estimated, how lenders use it alongside cost, and why getting it wrong causes problems.
7 Sep 20264 min read
- Development finance
How does development finance work?
Development finance funds the site and the build, released in stages as work progresses. This guide explains how it's structured, what lenders assess, how drawdowns work and how the loan is repaid.
7 Sep 20264 min read
Category
Refinancing
Replacing facilities and releasing equity from property you already own.
- Refinancing
How does commercial property refinancing work?
Refinancing replaces the borrowing on a property you already own. This guide covers why people refinance, how the process runs, what lenders assess, the costs involved and when it may not be worth it.
7 Sep 20264 min read
- Refinancing
Can you release equity from a commercial property?
Often, yes. This guide explains how equity release on commercial property works, what lenders want to know about the purpose, how affordability is tested and the routes available to owners and investors.
7 Sep 20264 min read
Read enough?
If you have a live deal, tell us about it in about two minutes. Where appropriate, we'll introduce you to an award-winning specialist commercial finance broker.
About 2 minutes · No obligation · UK enquiries