Commercial Lending
Introductions to specialist commercial finance for business premises, investment property and development, arranged alongside your wider planning.
Alexander House
Commercial Lending
Introductions to specialist commercial finance for business premises, investment property and development, arranged alongside your wider planning.
- Business owners buying, refinancing or expanding trading premises
- Directors and partnerships who want the property held in the right structure
- Landlords and investors with portfolio or semi-commercial property
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- ✓Clients planning a development or bridging arrangement with a clear exit
- Whether to buy premises personally, through the company or through a pension
- Which lenders will look at the business, the property and the exit
- How commercial borrowing sits alongside pensions, protection and the family balance sheet
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- ✓What the true cost of a bridging or development facility is over its full term
- Owner-occupied commercial mortgages
- Commercial and semi-commercial investment mortgages
- Portfolio and limited-company buy-to-let
- Bridging and development finance
- Business loans and asset finance introductions
Discuss the business, the property and the purpose of the borrowing
Introduce you to a specialist commercial lending partner who handles the application
Stay involved so the finance fits the rest of your financial plan
Important to understand
Commercial lending is arranged by introduction to a specialist partner. Most commercial mortgages, business loans and some buy-to-let lending are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on borrowing secured against it.
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How the introduction worksCommercial lending is a specialist market. Lenders look at the trading business, the property, the deposit and the exit in a different way from a residential mortgage, and the paperwork is heavier.→
Your Alexander House adviser talks through what you are trying to achieve, then introduces you to a specialist commercial lending partner who researches the market and arranges the facility. The adviser stays in the conversation so the borrowing fits the pension, protection and tax planning already in place.
Where premises might be bought through a pension, or where a director’s loan, key person cover or shareholder protection is affected, that is where the two conversations meet.
- Owner-occupied trading premises and refinancing
- Commercial and semi-commercial investment property
- Limited-company and portfolio buy-to-let
- Bridging, auction and development finance
- Business loans, asset finance and invoice finance introductions
What to have readyA first conversation does not need a full pack. It helps to know the property or purpose, the deposit or equity available, the latest accounts, and how the borrowing would be repaid or refinanced.→
Most commercial mortgages and business loans are not regulated by the Financial Conduct Authority. The specialist partner explains the costs, fees, security and risks of any facility before you proceed, and your property may be repossessed if you do not keep up repayments on borrowing secured against it.
Talk to the team
Speak to Alexander House about your next financial decision.
Email the team, or send a short note through the contact form. We will come back to you with a clear next step.