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Expert articles on commercial mortgages, development finance, and property investment to help you make informed decisions.

All Articles (58)Commercial Mortgages (20)Bridging Finance (16)Development Finance (15)Market & Strategy (7)
Latest Article

Complete Guide to Commercial Mortgages in the UK

Everything you need to know about UK commercial mortgages — types, rates, LTV, DSCR requirements, and how to apply. Expert guide from ex-bankers.

Matt Lenzie10 min read12 Feb 2026
Commercial Mortgages

Series: Fundamentals

Everything you need to know about UK commercial mortgages — types, rates, LTV, DSCR requirements, and how to apply. Expert guide from ex-bankers.

Commercial Mortgages

Commercial Mortgages

(20 articles)

Fundamentals

Commercial Mortgages
8 min read
Commercial Mortgage Rates Explained: Fixed, Variable & Tracker
Understand fixed, variable and tracker commercial mortgage rates. How rates are set, what affects your rate, and how to secure the best deal.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
How Much Can I Borrow on a Commercial Mortgage
Calculate your commercial mortgage borrowing power. DSCR calculations, LTV limits by property type, and what lenders assess.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
7 min read
Commercial Mortgage Deposit Requirements: What You Need
How much deposit do you need for a commercial mortgage? Minimum requirements by property type, sources of deposit, and how to reduce yours.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
9 min read
Commercial Mortgage Application Process Step by Step
Step-by-step guide to applying for a commercial mortgage. Documentation, timelines, valuation, and what to expect at every stage.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
7 min read
Commercial vs Residential Mortgages: Key Differences
How do commercial mortgages differ from residential? Side-by-side comparison of rates, deposits, assessment criteria, and timescales.
Matt Lenzie
12 Feb 2026

Property Types

Commercial Mortgages
8 min read
Office Property Finance: A Commercial Mortgage Guide
Guide to financing office property — single units, multi-let buildings, and serviced offices. Market trends and lender criteria explained.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
Retail Property Mortgages: Shops, Units & High Street
Finance for retail property — high street shops, retail parks, and convenience stores. Tenant considerations and lender appetite.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
Industrial and Warehouse Mortgage Guide
How to finance industrial and warehouse property. Growth sector opportunities, lender criteria, and e-commerce demand driving values.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
Mixed-Use Property Finance: Residential and Commercial Combined
Semi-commercial and mixed-use property finance explained. How lenders assess shop-with-flat and office-with-apartment buildings.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
Pub and Hotel Commercial Mortgages
Specialist mortgage guide for pubs, hotels, and licensed premises. Trading history, EBITDA requirements, and sector-specific lending.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
9 min read
Healthcare Property Finance: Care Homes, Surgeries & Pharmacies
Finance for CQC-regulated properties — care homes, GP surgeries, pharmacies. Specialist criteria and lender appetite explained.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
9 min read
HMO Finance: What Landlords Need to Know
Complete guide to HMO finance including lending criteria, expected returns, and how to structure deals for houses in multiple occupation.
Matt Lenzie
20 Dec 2024

Advanced

Commercial Mortgages
7 min read
Remortgaging Commercial Property: When and How
When and how to remortgage your commercial property. Rate savings, equity release, switching lenders, and early repayment charges.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
7 min read
Commercial Mortgage for First-Time Buyers
First-time commercial property buyer? Learn what extra requirements apply, which lenders accept new borrowers, and how to succeed.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
7 min read
Interest-Only Commercial Mortgages: Pros, Cons and Criteria
Should you choose interest-only on your commercial mortgage? Pros, cons, lender criteria, and when it makes financial sense.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
SPV and Limited Company Commercial Mortgages
SPV and limited company structures for commercial property. Tax implications, lender requirements, and personal guarantee obligations.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
8 min read
Commercial Mortgage Tax Relief and Allowances
Tax benefits of commercial property ownership. Interest deductibility, capital allowances, SDLT rates, and VAT considerations.
Matt Lenzie
12 Feb 2026
Commercial Mortgages
7 min read
How to Improve Your Commercial Mortgage Application
Practical tips to strengthen your commercial mortgage application. Documentation, financial preparation, and why using a broker helps.
Matt Lenzie
12 Feb 2026

Strategy

Commercial Mortgages
10 min read
Commercial Property Investment: Funding Your First Deal
Step-by-step guide to securing finance for your first commercial property investment. Learn about LTV ratios, DSCR requirements, and lender expectations.
Matt Lenzie
15 Dec 2024
Bridging Finance

Bridging Finance

(16 articles)

Fundamentals

Bridging Finance
9 min read
What Is Commercial Bridging Finance and How Does It Work
Complete guide to commercial bridging finance. How it works, costs, timelines, exit strategies, and when bridging is the right choice.
Matt Lenzie
12 Feb 2026
Bridging Finance
8 min read
Commercial Bridging Loan Rates and Costs Explained
Full breakdown of bridging loan costs — monthly rates, arrangement fees, exit fees, legal costs. Calculate your total bridging cost.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Bridging Finance vs Commercial Mortgage: Which Do You Need
Bridging finance or commercial mortgage? Compare speed, cost, criteria, and flexibility to choose the right option for your deal.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
How to Apply for a Commercial Bridging Loan
Step-by-step bridging loan application guide. What you need, how long it takes, and how to get the best terms from lenders.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Bridging Loans Explained: When and How to Use Them
Discover when bridging loans are the right solution for your property investment. Understand costs, terms, and how to secure the best rates.
Matt Lenzie
10 Jan 2025

Use Cases

Bridging Finance
7 min read
Bridging Finance for Auction Purchases
How to use bridging finance for auction purchases. Pre-auction preparation, 28-day completion, and securing terms before you bid.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Bridging Loans for Chain Breaks in Commercial Property
Use bridging finance to break the chain on commercial property purchases. Secure your property without waiting for your sale to complete.
Matt Lenzie
12 Feb 2026
Bridging Finance
8 min read
Bridging Finance for Property Refurbishment
Fund your commercial property refurbishment with bridging finance. Light and heavy refurb options, costs, and refinance strategies.
Matt Lenzie
12 Feb 2026
Bridging Finance
8 min read
Commercial Bridge to Let: Refurbish and Refinance Strategy
The bridge-to-let strategy for commercial property. Buy, refurbish, refinance onto a commercial mortgage, and retain for income.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Bridging Finance for Land Purchase and Development
Use bridging finance to secure land for development. Bridge to development finance, planning gain strategies, and land banking.
Matt Lenzie
12 Feb 2026
Bridging Finance
8 min read
Property Auction Finance: Complete Guide
Everything you need to know about securing fast finance for property auctions. Understand timelines, costs, and how to prepare your funding in advance.
Matt Lenzie
20 Nov 2024

Advanced

Bridging Finance
7 min read
Exit Strategy for Bridging Finance: Planning Your Refinance
Every bridging loan needs an exit strategy. How to plan your refinance or sale, what lenders look for, and avoiding costly extensions.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Second Charge Bridging Loans Explained
What are second charge bridging loans? When to use them, how they work alongside existing mortgages, and key considerations.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Regulated vs Unregulated Bridging Finance
Understand the difference between regulated and unregulated bridging finance. FCA rules, consumer protections, and which applies to you.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Bridging Finance for Foreign Nationals and Expats
Can foreign nationals and expats get UK bridging finance? Eligibility, specialist lenders, and additional requirements explained.
Matt Lenzie
12 Feb 2026
Bridging Finance
7 min read
Speed and Certainty: When to Choose Bridging Over Traditional Lending
When does bridging finance make sense over traditional lending? Speed, flexibility, and certainty of execution compared.
Matt Lenzie
12 Feb 2026
Development Finance

Development Finance

(15 articles)

Fundamentals

Development Finance
10 min read
Development Finance Explained: A Complete UK Guide
Complete UK guide to development finance. How it works, costs, drawdowns, GDV requirements, and how to secure funding for your project.
Matt Lenzie
12 Feb 2026
Development Finance
8 min read
Development Finance Rates, Costs and Fee Structures
Understand development finance costs — interest rates, arrangement fees, monitoring surveyor charges, and total project finance costs.
Matt Lenzie
12 Feb 2026
Development Finance
7 min read
How Development Finance Drawdowns Work
How staged drawdowns work in development finance. QS inspections, milestone payments, and managing your build cash flow.
Matt Lenzie
12 Feb 2026
Development Finance
7 min read
Gross Development Value: How Lenders Assess Your Project
GDV explained — how lenders calculate gross development value, why it matters for your funding, and how to maximise your scheme's GDV.
Matt Lenzie
12 Feb 2026
Development Finance
8 min read
Understanding Development Finance: A Complete Guide
Everything you need to know about development finance in the UK - from eligibility criteria to application process. Learn how to fund your property development project.
Matt Lenzie
15 Jan 2025
Development Finance
9 min read
How to Secure Development Finance for Your Project
Practical advice on preparing your development finance application, meeting lender requirements, and navigating the approval process successfully.
Matt Lenzie
28 Nov 2024

Project Types

Development Finance
8 min read
Ground-Up Development Finance: New Build Funding Guide
Finance for ground-up development projects — new build houses, apartments, and commercial schemes. Costs, criteria, and process.
Matt Lenzie
12 Feb 2026
Development Finance
8 min read
Permitted Development Finance: Office to Residential Conversions
Finance for permitted development conversions — office to residential, commercial to residential. PDR rights and funding options.
Matt Lenzie
12 Feb 2026
Development Finance
8 min read
Heavy Refurbishment Finance: Major Works Funding
Finance for heavy refurbishment projects. Structural works, change of use, sub-division funding. Bridging and development options.
Matt Lenzie
12 Feb 2026
Development Finance
8 min read
Mixed-Use Development Finance: Combining Residential and Commercial
Finance for mixed-use development schemes. How lenders assess combined residential and commercial projects, and structuring tips.
Matt Lenzie
12 Feb 2026

Advanced

Development Finance
8 min read
Development Finance for First-Time Developers
First-time developer? Learn how to secure development finance with no track record, which lenders accept new developers, and preparation tips.
Matt Lenzie
12 Feb 2026
Development Finance
7 min read
Planning Permission and Development Finance: What You Need
How planning permission affects your development finance. Full planning vs outline, conditions, and what lenders require.
Matt Lenzie
12 Feb 2026
Development Finance
7 min read
Development Exit Finance: Completing Your Project
Development exit finance for completed schemes awaiting sales. Lower rates, extended timelines, and smooth refinancing from development loans.
Matt Lenzie
12 Feb 2026
Development Finance
7 min read
Joint Venture Development Finance: Partnering for Growth
Joint venture structures for property development. How JV finance works, lender requirements, and structuring the partnership.
Matt Lenzie
12 Feb 2026
Development Finance
8 min read
Mezzanine Finance: Unlocking Higher LTV Deals
How mezzanine finance can help you achieve higher loan-to-value ratios and fund larger property developments with less equity.
Matt Lenzie
5 Dec 2024
Market & Strategy

Market & Strategy

(7 articles)

Market Analysis

Market & Strategy
9 min read
UK Commercial Property Market Outlook 2025
Commercial property market analysis for 2025. Sector trends, yield movements, regional opportunities, and financing implications.
Matt Lenzie
12 Feb 2026
Market & Strategy
8 min read
How Interest Rate Changes Affect Commercial Property Finance
How Bank of England rate changes impact commercial mortgages, bridging costs, and development finance. Strategies for rising and falling rates.
Matt Lenzie
12 Feb 2026
Market & Strategy
7 min read
Buy-to-Let Mortgages in 2025: Market Update
Latest trends, rates, and regulations affecting buy-to-let mortgages in 2025. What landlords need to know about lending criteria and market conditions.
Matt Lenzie
5 Jan 2025

Strategy

Market & Strategy
10 min read
Commercial Property Investment: A Beginner's Guide
New to commercial property investment? Learn how to evaluate deals, finance your first purchase, and build a portfolio step by step.
Matt Lenzie
12 Feb 2026
Market & Strategy
8 min read
Choosing the Right Commercial Property Lender
How to choose between commercial property lenders. Banks vs challengers, rate comparison, and why a broker unlocks better options.
Matt Lenzie
12 Feb 2026
Market & Strategy
8 min read
Commercial Property Valuation Methods Explained
How commercial property is valued — investment method, comparable method, residual method. What affects valuations and how to prepare.
Matt Lenzie
12 Feb 2026
Market & Strategy
9 min read
Building a Commercial Property Portfolio: Finance Strategies
Strategies for building a commercial property portfolio. Finance structuring, equity recycling, portfolio lending, and scaling up.
Matt Lenzie
12 Feb 2026

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