Commercial Finance

Contrary to popular belief, commercial finance is not just reserved for smoggy factories and industrial estates. As diverse as the businesses it covers, this type of finance will consider a wide range of properties and propositions, including HMOs, flats above shops and student lets.

Now that is not to say we cannot do the factories and offices too! We have access to lenders that will look at the full spectrum.

What is Commercial Finance?

Commercial Finance covers a wide range of propositions. Today’s commercial lenders have much more of a varied appetite for property, as well as the traditional factories, shops and offices. And because we know which lenders look at what types of lending, we are perfectly placed to steer you in the best direction right from the start.

We work with clients of all experience levels and backgrounds. This people centric attitude allows us to create a bespoke arrangement for our borrowers and their commercial ventures.

Common Uses

Before seeking this type of finance, it’s important that you determine the type of project you are undertaking. Once you’ve deduced what you’re using the funding for, you will be in a better position to speak to one of our advisors.

If you would like to purchase premises to operate your business, release equity or secure a better rate via a remortgage, then commercial finance could hold the key. With options available for both a freehold purchase and long leasehold funding, our lending panel can help you secure the hub for your business empire.

This type of funding covers commercial or mixed-use properties to clients looking to rent out the premises.

Commercial lenders will also look at large or mixed-use investment property portfolios as well as professional landlords and larger loan amounts.

In light of recent and forthcoming tax changes being implemented from 2016 and 2020, there is an increase in demand from investors utilising a Limited Company to purchase their properties. Commercial lenders are experienced at working with Limited Companies and offer some extremely competitive products – even when compared to mainstream traditional buy-to-let lenders.

Semi-commercial property is also proving an increasingly popular investment option. As well as avoiding the stamp duty associated with standard buy-to-let, the higher yields of commercial units make the proposition more interesting to those looking to make a significant return.

Our knowledgeable and friendly staff will be able to discuss the best options for you and your business.

Product Panel Highlights

  • Up to 75% LTV (higher on specialist sectors)
  • Max loan size £25m
  • 1st and 2nd charge accepted
  • UK wide
  • All circumstances considered

Examples of use

  1. Client approached us to purchase a small retail estate with flats above in Ipswich. Purchase price of £2,000,000 with a fixed completion date, and rent of £245,000 pa with a variety of tenants, from a national supermarket to small local traders in addition to the ASTs.

    We obtained the required £1m lend on a 5 year fixed on an interest only basis – both of which weren’t on offer from his High Street bank - to enable the client to complete and build his portfolio.

  2. Client had a portfolio of 27 properties, all mortgaged with a variety of lenders, all on “vanilla” buy to let mortgages. Following a review with his accountant, the client approached us to transfer the portfolio into a limited company to manage his future tax liability.

    This was done, along with a capital raise to purchase additional properties (low value but high yield) to add to his portfolio. £7.9m was raised at a negotiated rate from the lender at under 4% for a portfolio loan.

  3. Client was renting his factory when his landlord went into receivership. We arranged finance for the tenant to purchase the property and remain in his business premises.

  4. £100,000 unsecured loan for a limited company looking to refinance £70k in existing debt and £30k for new equipment. This was done at 9% and arranged in less than a week.

The rates in these examples are historic and were offered based on the buyer’s individual circumstances at the time. The rates you may get will depend on your own individual circumstances and may differ from the rates in the examples.

Key terms explained

  • AlterationsWorks undertaken on a property that alter, divide or modify the property or land.
  • CashflowCash receipts minus cash payments over a certain period of time.
  • Change of useThe ability to alter the use of a piece of land or property, either by changing the nature of its use or modifying the asset in question. Some changes of use could require council permission or planning permission.
  • DemiseProperty, land and other premises included in a lease.
  • FreeholdOutright ownership of land or property. In order for an estate to be deemed a freehold it must be both immobile and ownership must be an indeterminate duration.
  • LeaseholdA leasehold is essentially a property leased from a freeholder, aka a landlord, to a third party. This lease forms a contract with the freeholder, clearly defining the boundaries and responsibilities of each party.

Crystal Private Finance, Unit A, Ventura House, Ventura Park Road, Tamworth, B78 3LZ

Tel: 01827 338 808

Fax: 01827 51284


As a mortgage is secured against your home or other property, it could be repossessed if you do not keep up the mortgage repayments.
Think carefully before securing other debts against your home.

Some types of buy-to-let and commercial mortgages and bridging loans are not regulated by the Financial Conduct Authority.

Crystal Private Finance is a trading name of Crystal Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. Crystal Specialist Finance is entered on the Financial Services Register under reference 303761. Registered Address: Crystal Mortgages Ltd, Unit A Ventura House, Ventura Park Road, Tamworth, B78 3LZ. Registered in England and Wales Company no: 4407643.