Whatever property opportunities you have, we are here to design you an effective commercial property finance solution.​

Commercial mortgages for all types of business.

A commercial mortgage is a loan secured against property that will be used for any business property transaction, from buying a building rather than leasing, to purchasing a complete company or to unlock equity in commercial buildings or land you already own.

Whether you’re a commercial investor or a business owner, our team of experts will work with you to structure finance designed around your individual needs. 

We can assist with: residential investment properties, HMOs, retail and commercial units, offices, warehouses, professional practice premises, hotels and licensed premises, care homes, semi-commercial premises with living accommodation above, land & agricultural.

Are you looking to bridge your funding gap?

Bridging finance is a short-term loan used to plug the funding gap until longer-term finance is in place. It can be used for a variety of reasons including:

  • Secure a property while waiting for existing property to sell
  • Quickly secure a property at auction
  • Continue to purchase even if the buying-chain breaks
  • Property refurbishments or developments needed prior to gaining a mortgage

There are two types of loan: closed and open bridging loans. Closed bridging loans are used exclusively when borrowers face a short-term need for finance, tiding them over until a better source of long-term finance becomes available. Open bridging loans, on the other hand, are used by borrowers who are not certain when their future finance will become available.

Property development finance

Property development finance is bespoke and flexible borrowing, tailored towards your specific property plans for either major new building projects or comprehensive renovations for residential, commercial and mixed-use developments. The type of development, financial structure and location of the project, along with the experience of the developer are typically the key drivers of lender decision making.

Property portfolio finance

Property portfolio finance is often used by professional investors who have built up a property portfolio valued between £2m and £5m. It can be used to make further buy-to-let purchases, to re-finance multiple properties at once or buy, refurbish and sell investments. This funding is designed to use your different properties’ values as one overall investment, which enables you to:

  • Access competitive and flexible funding;
  • Grow your portfolio in a cost effective way;
  • Spread the risk across a range of properties;
  • Improve your cash flow management, and potentially release cash for future investment.

The Financial Conduct Authority does not regulate most forms of Buy to Let Mortgage and most forms of Commercial Mortgage.

Free commercial property finance


Speak to an adviser who will assess your objectives, current position, and help you plan a course of action. It’s also an opportunity for you to get to know us before deciding to engage our services. You can ask as many questions as you need. Your first meeting with us where we will discuss the ways in which we might help you is free of charge. Contact us today to book an appointment.

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which may require us to share it with Radcliffe & Newlands Estate Planning Ltd. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy.