Commercial Property Finance

We can help you find the right commercial property finance option to assist you with either purchasing or refinancing a property to let.

Buying a commercial property can be a significant step in your career, whether it’s to house your own business or used as an asset that you can let out to generate additional income. 

We have an in-house finance team for helping our commercial property investment clients to find tailor-made and stress-free solutions that suit their particular needs. From standard commercial mortgages to specialist property purchases through your pension, we can find the solution that will suit you.

What is commercial property finance?

Commercial property finance covers a wide range of finance services and products to ultimately help you to purchase, refinance, refurbish, or grow your commercial property portfolio. 

Whether you want to open your own business, grow your business locations or rent out the space for other commercial use, we can work with you to find the most suitable financing option.

Here are a few examples of the types of commercial properties which can be funded:

  • Offices
  • Retail and commercial units, for various sectors
  • Warehouses and industrial buildings
  • Semi-commercial properties. These are properties which each have a commercial element and a residential element. Examples of semi-commercial properties include pubs and bed and breakfasts. 
  • HMOs, otherwise known as houses in multiple occupations. Each HMO has at least three tenants living there and forming more than one household.

Can I get commercial property finance?

Anyone can apply for commercial property finance, however, it’s critical to seek the best option available. Whether you are an entrepreneur looking to kickstart your small business, or an owner of an established larger organisation, you could be eligible for different financing options. 

Each application is unique, because everyone's previous credit and business history, to current circumstances and future objectives, are all different.

With a variety of commercial property finance options, the criteria for each can also vary slightly, which is why using an expert finance broker like Hilton Smythe Finance can be so valuable. We’ll work with you to determine whether you can successfully gain funds to achieve your goals. 

To find out more about your commercial property finance options, complete our online quote and one of our team will be in touch to discuss your requirements.

Types of commercial property finance:

We offer a range of financing options for commercial opportunities to ensure your business gets the funding it deserves.

Commercial Mortgages

Commercial mortgages, also known as business mortgages, are the most popular type of financing option to purchase a commercial property. Similar to a residential mortgage, you can lend a sum of money, over a period of time, based upon your business accounts and profitability. 

Commercial mortgages can be used to purchase premises the business operates from, and to fund a commercial buy-to-let where the property is rented out to another business tenant. 

Property Development Finance

This form of financing is typically used by property developers and investors who are looking to develop new build or regeneration projects. 

It could also be used for refurbishment projects of commercial properties to support the longevity of a business premises. 

Property development finance is commonly a reasonably short term option, with loans covering a two year period typically. 

Commercial Loans

A commercial loan is a quick and effective way to secure funds for any business. Whatever the size or industry of your business, companies can survive and thrive with the help of a commercial loan. 

There are different types of commercial loans available from secured business loans, unsecured business loans, and commercial bridging loans. We’ll talk you through these in more detail. 

Get in touch today to discuss your commercial property financing needs

Other types of Commercial Loans: