When we arrange commercial finance we aim to achieve the most competitive terms for you - this means interest rate, fees and conditions. To do this we will require sight of a number of items ( depending on the proposal ) but as a guide you can expect us to request the following -

For Limited Company property we will want to see the Articles and Memorandum of Association

Business plan and Forecasts

Business Appriasal Report ( for larger loans )

Bank statements ( personal )

Bank statements ( business if trading )

CV's for owners/directors

Details of personal borrowings/guarantees


As brokers we will charge a flat fee of £300 plus VAT to appraise your proposal. Assuming we decide to proceed and you are happy with the terms we anticipate obtaining from our lending sources, we will charge a 1% arrangement fee ( less the £300 already charged ). Our minimum charge is £1000.

If you want assistance in preparing your business plan ( and a well presented plan can be a great asset in arranging finance )we are happy to help and our charge is £105 plus VAT per hour.

In addition to the above items we will require a the following - .

Terms of Business - explains how we work and our fees.

A Commercial Mortgage Fact Find - You can expect to complete a detailed questionnaire.

Confirmation of current income ( salary slips, accounts etc.).

Confirmation of address ( over 3 years generally ),

Confirmation of identity ( passport or picture driving licence ),

Confirmation of any deposit,

You will be advised on the following 3 areas -plus all other terms and conditions that you can expect to be offered.









Life Assurance

Part and Part


Buildings Insurance

Interest only


Contents/Stock Insurance



Sickness cover



Key Personnel cover



Commercial - We can arrange finance for a wide variety of property types - including owner-occupier business property (as opposed to having tenants in the property ). As an example we can arrange finance on -

  • Commercial Industrial Property
  • Development Finance
  • Commercial Investment Property
  • Offices
  • Retail Units
  • Nursing and care Homes
  • Offices
  • Professional Practices
  • Residential Development Finance
  • Hotels......etc etc.

Unlike residential mortgages where the borrower has to fit a lenders criteria to obtain a specific scheme and rate and terms, with commercial lending the borrower and the proposal determinethe rate and terms obtained. Therefore

an experienced borrower, with a good track record, good deposit etc will obtain better terms than a start-up proposal borrower.

Finance can be arranged on an individual ( sole trader ) basis, a partnership basis, a limited liability partnership basis or a private limited company basis.

In adddition we arrange the following finance -

Bridging Finance - This is short term finance and is based primarily on the value of the property on which it is secured. This finance is useful fo purchase of development property or as a chain breaker. It is not cheap but could be the difference between obtaining the property you want or missing out on the deal.

Buy to Let - These are designed for applicants OR Limited Companies that wish to own a property which will be let on either a 6/12 month Assured Shorthold Tenancy agreement or a company contract. These schemes are based primarily on the rental income the investment is to achieve. Other factors may also impact on the scheme available - i.e. applicants credit status, income or whether the owner is an individual or a company.

We also prepare BUSINESS PLANS for both start up businesses and annual reviews for existing firms. If you have been in business for a number of years you will be aware how things can deviate from the original plan. We strongly recommend that existing firms review their business plans so that a refocus can occur.

A standard business plan will involve aa number of meetings with the business owners.



Your home may be repossessed if you do not keep up repayments on your mortgage.

terms & conditions  |   privacy policy