Acquisition Finance Explained

What Is Acquisition Finance? Acquisition finance is funding used to buy another business, part of a business, company shares, or business assets. It is often used where a buyer does not want to pay the full purchase price in cash, or where using all available cash would place too much pressure on working capital after… Read more
Bridging Loans for Listed Buildings

Can you get a bridging loan on a listed building? Yes, bridging finance can be used to buy, renovate, or refinance a listed building, particularly where a standard mortgage is not suitable at the outset. Listed buildings can be more complex because of consent requirements, specialist repairs, valuation concerns, and lender caution. A bridging loan… Read more
OpCo PropCo mortgages

OpCo PropCo mortgages Explained If your business owns or plans to buy a commercial property, you may have heard the term OpCo PropCo mentioned by an accountant, solicitor, or lender. In simple terms, an OpCo PropCo structure separates the trading business from the property it operates from. It is common in commercial mortgage lending and… Read more
Case Study: Commercial Mortgage for First Commercial Purchase in London

Introduction We recently helped our customers secure a commercial mortgage to purchase an investment property in Croydon for aproximately £3 million. Our customers were experienced UK buy-to-let landlords living in Dubai who wanted to expand their existing residential property portfolio into commercial property. Although they had substantial property investment experience, this was their first commercial… Read more
Re-bridging To A New Bridging Loan

Should You Rebridge To A New Bridging Loan Or Refinance Another Way When you first took out your bridging loan, you probably had a clear plan. You expected to sell, refinance, or complete works within a set timeframe. Then life happened. A sale fell through, builders ran late, planning dragged on, or the mortgage you… Read more
UK Commercial Mortgage for Expats and Foreign Nationals

Commercial Mortgages for Expats & Overseas Buyers UK If you are living abroad or moving from overseas and want to invest in property, you may be wondering how to secure a commercial mortgage. For expats and foreign nationals, arranging this type of finance can be more complex than a standard mortgage. Lenders often see international… Read more
Chain Break Bridging Loan

How a chain break bridging loan can save your property purchase When you find the right home, you do not want a broken property chain to ruin everything. Yet buyers pull out, mortgage offers get delayed and sometimes people simply change their minds. This can cause the process to be very stressful. A chain break… Read more
SIPP & SSAS Commercial Mortgages

Using a SIPP or SSAS to Buy Commercial Property: Mortgage Options, Benefits & Rules Many business owners are surprised to learn that their pension can be used to buy commercial property. A Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS) can purchase commercial premises directly, including properties occupied by your own business. Where pension… Read more
Bridging Loans for First Time Buyers

Bridging Loans for First Time Buyers When and Why They Are Used When you are buying your first property, most people assume a mortgage is the only option. In many cases, which is true. However, there are situations where a standard mortgage does not work, at least not straight away. This is usually when bridging… Read more
Mortgages For Pubs

Pub Mortgages: How to Buy or Refinance a Pub in the UK Buying or refinancing a pub is both exciting and complex. You are not just buying bricks and mortar. You are buying a trading business with moving parts. Cash flow, licensing, staff, and seasonality all play a role. You want a lender who understands… Read more
Commercial Mortgages and Finance for Golf Courses

Golf Club Finance and Commercial Mortgages: How to Fund Your Course and Clubhouse Running a golf club is about a lot more than fairways and greens. You are managing a complex business with big capital needs, seasonal income and rising expectations from members and visitors. At some point you may need to raise finance without… Read more
100% Bridging Finance | No-Deposit Bridging Loans

If you need short term funding for a property purchase but do not have a deposit available, you might be considering a 100% bridging loan. These loans can potentially allow you to borrow the full purchase price of a property without putting down a cash deposit. While they can be an attractive option for the… Read more

Category: Bridging And Commercial