If your client needs a commercial mortgage, they need absolute certainty.Â
We arrange commercial mortgages for owner-occupiers and investors across trading businesses, semi-commercial property, and mixed-use portfolios.
With access to a wide lender panel, including exclusive rates – we know how each lender views affordability, DSCR, lease profiles and trading performance. Being clever means always placing deals where they fit.
We don’t just “find rates.” We navigate the entire process for you. So, if your client is purchasing new premises, refinancing to release equity, or switching from a short-term bridging loan, we will find you the best possible terms structured around the lease, the cash flow and your client’s long-term strategy.
Typical Timings: Straightforward commercial mortgage cases usually complete within 10-14 weeks, depending on valuation, legals and lease review.
We’ll always give you realistic dates at the start and update you as soon as anything changes.
Send the outline: property and security, amount and leverage, timescale, exit, and any quirks and we will come back within 24 working hours with target lenders and the likely structure.
One checklist per lender and no blanket uploads, which means fewer re-underwrites.
We request the signed Decision in Principle (DIP), instruct valuation as soon as the pack lands, and set out conditions in clear terms you can forward to your client.
We keep legals progressing and update you at every stage. If a date shifts, you’ll hear it from us first (along with a new date).
To help us assess quickly, line up the key details and documents early. Here’s what we’ll need to sense-check your commercial mortgage case and get it lender-ready.
Refer your case, and we’ll come back within 24 working hours with a realistic route and a clear list of what we need to issue formal terms. If, for whatever reason, the case doesn’t fit, we will tell you immediately and explain exactly why.Â
There are no fees payable until we have a solution, and you will always speak to an advisor, not to a triage team passing you on. We believe in speaking to an expert from the start.
Most commercial mortgages complete within 2-4 months from start to finish. Timescales depend on the property, the valuation and legal process, as well as how quickly the required documents are provided.
Yes. We structure affordability based on trading performance and realistic projections.
Yes. Where we arrange the bridging loan, we will assess affordability at the outset to ensure the refinance onto a commercial mortgage is viable, and the transition runs smoothly.
For investments, it’s DSCR based on passing rent and interest assumptions. For owner-occupiers, it’s EBITDA or adjusted net profit, plus projected serviceability.
We have lenders that will lend to both SPVs and trading companies. We ensure we find the best lender for your client.
This depends on the lender, but in general, a longer unexpired lease is more favourable. Lenders will look at the full picture, including the remaining term, any break clauses, tenant quality, rental income and location.
Not necessarily. This depends on the property, the improvement works required, and how long those works will take. In some cases, a bridging loan may be used to complete the upgrades before refinancing onto a commercial term mortgage.
Sometimes. It depends on how long is left on the lease and the lender’s comfort level.
Yes, subject to the purpose of the capital raise and lender policy. We’ll assess your client’s plans and identify which lenders are most likely to support the raise.
More process and commercial questions, covering referrals, packaging, fees and payment, are answered in our broker FAQs.
Email us directly with your enquiry by clicking here or using our email [email protected].
