Commercial Mortgages for Businesses and Investments

A commercial landlord sought funding for fit-out works ahead of a new serviced office tenant taking occupation of a floor of their office building. The existing loan on the property was also approaching maturity, so the case required consideration of both a commercial remortgage and potential bridging finance. Key considerations included the proposed tenant arrangement, valuation basis, fit-out budget, existing loan redemption, and whether the funding needed to complete before the new income was fully established.

A members’ society sought to raise funds against an unencumbered freehold property operating as a bar and events venue. The proposed loan was to support refurbishment works, create new daytime income opportunities, and fund essential building upgrades including electrics and windows. Key considerations included the society’s ownership structure, trading income, property condition, and how the improvements were expected to strengthen the venue’s longer-term commercial position.

A padel operator approached us whilst considering the acquisition of a commercial property to house a new leisure facility, incorporating padel courts and a café. We were asked to advise on suitable funding options for the purchase. Key considerations included lender appetite for leisure sector owner-occupier lending, the mixed-use nature of the facility, and the operator’s business plan and projected trading performance.

An established dental practice operating from leasehold premises identified the opportunity to acquire the long leasehold interest in their existing unit from their landlord. We were asked to advise on structuring an owner-occupier commercial mortgage to fund the purchase. Key considerations included the leasehold structure, the practice’s trading accounts, and ensuring the mortgage was structured favourably against their existing lease commitments.

A property investor sought to acquire a mixed-use asset comprising a ground floor retail unit with residential accommodation above. We were asked to advise on a mixed-use commercial mortgage to support the purchase on a buy-to-let basis. Key considerations included the blended income profile across both tenancies, loan-to-value, and lender appetite.