CRE-8 FINANCE
Long-term funding for trading businesses buying their own premises, and for investors building a commercial property portfolio.
FUNDING BRICKS AND MORTAR
A commercial mortgage is used to purchase or refinance property that is not your main residence — from the premises your business trades from, to income-producing offices, industrial units, retail parades and semi-commercial stock. We arrange facilities with high-street banks, challenger lenders and specialist funders, and structure each deal around your covenant, asset and long-term strategy.
WHAT WE FUND
For trading businesses buying — or refinancing — the premises they operate from. Up to 80% LTV, priced on the strength of the business, its trading history and the property itself. Serviced from trading profits rather than rental income.
For landlords and investors holding commercial property let to third-party tenants. Up to 75% LTV on single lets and portfolios — offices, industrial, retail and leisure — with pricing driven by lease covenant strength, unexpired term and rental cover.
Shops with flats above, offices with residential upper parts and mixed-use blocks. Often overlooked by mainstream lenders — we place these with specialists who understand the blended income and value.
OWNER-OCCUPIER VS INVESTMENT
You are buying premises for your own business to trade from. The loan is serviced by the business, and the property is used rather than let.
You are buying commercial property to let to a third party. The loan is serviced from rental income, with pricing driven by the lease.
HOW IT WORKS
We take a view on the property, the borrower and — for owner-occupiers — the trading business behind the loan.
We compare terms across high-street banks, challenger lenders and specialists to find the best fit on pricing and structure.
We package the application, coordinate the RICS valuation and manage credit through to formal offer.
We work alongside your solicitor through legal due diligence and drawdown, and stay in touch for refinances and future purchases.
SPEAK TO A BROKER
Send us a short summary of the property, the borrower and whether it's for owner-occupation or investment. We'll come back within one working day with an initial view on terms.