The trading business has to carry the property cost
We review accounts, recent trading, existing debt and the cost of moving or adapting the premises. The legal borrower and the occupying business may be different entities, so the structure should be clear from the outset.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Business accounts and management figures
- Property price and use
- Occupying and purchasing entities
- Deposit and fit-out budget
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
Property ownership can reduce business liquidity. A personal guarantee may expose assets beyond the premises.
Your questions, answered
What makes a commercial or development brief useful?
Bring the property details, the borrowing purpose, the proposed repayment or exit and the evidence supporting the project. Depending on the case, this may include trading accounts, leases, planning information, an appraisal or a cost schedule. Identify gaps and decisions still outstanding.
Link to this answerHow do you compare facilities beyond the interest rate?
Look at the funds available, repayment structure, term, fees, security, guarantees and conditions together. For staged funding, the timing and conditions of each drawdown matter to cash flow. A facility must fit the actual business or project rather than just an initial headline figure.
Link to this answerWho handles the legal, valuation and project work?
The relevant appointed professionals remain responsible for their own work. We identify which reports or legal input the lender needs and how those tasks affect the timetable. Mortgage or finance discussions do not replace legal, tax, surveying or project-monitoring advice.
Link to this answerFurther reading: MoneyHelper: mortgages and homebuying. Content updated 17 September 2026. General information; availability depends on the individual case.