The Big Picture
Commercial property finance can open doors you may not have realised were within reach. Whether you’re buying an office, converting a pub, or expanding into a hotel or warehouse, having the right funding in place is crucial. The rewards can be big, but the lending landscape is complex, and lenders assess projects very differently depending on the property type and purpose.
Property Types
Commercial property finance covers a wide range of buildings, including:
- Industrial units
- Offices
- Pubs
- Hotels
- Mixed-use or conversion sites
Each comes with its own quirks. Lenders weigh the risks differently depending on the sector, tenant strength, or whether you are carrying out a conversion project.
How We’ve Helped
One client came to us needing finance to convert a vacant pub into modern flats. Traditional lenders were hesitant, but we structured a bridging loan solution that covered both the purchase and the works. With the right commercial property finance in place, the project moved ahead smoothly and the client was able to unlock a very handsome return on investment.
Things to Consider
Commercial property finance is highly specialised. Key factors include:
- Sector and property type
- Strength of accounts (for owner-occupiers)
- Strength of lease and tenant (for investments)
- Whether short-term bridging is required before longer-term funding
Rates are often higher than residential mortgages, but with the right structure, you can still secure highly competitive deals. To explore how bridging works in more detail, download our free Bridging Finance Guide or try our Bridging Loan Calculator for instant figures.
Useful resources:
How GPS Financial Can Help
Every lender has its niche. Some favour industrial units, others focus on hospitality, and many specialise in conversions. Knowing who to approach makes all the difference.
That’s where we come in. At GPS Financial, we cut through the noise, place your project with the right lender, and structure the deal around your goals. Whether you’re looking for Buy-to-Let mortgage solutions or bridging finance, our advice is always client-first.
FAQs About Commercial Property Finance
What types of property can I finance?
Offices, warehouses, pubs, hotels, and mixed-use buildings all qualify, though terms vary.
Can I finance a conversion project, like turning a pub into flats?
Yes. These often involve bridging loans to cover purchase and works before longer-term finance is arranged.
Are commercial loans more expensive than residential mortgages?
Generally, yes. But with the right broker and structure, deals can be highly competitive.
Useful resources:
- Download our free Bridging Finance Guide
- Try our Bridging Loan Calculator for instant figures
Ready to Discuss Your Next Project?
If you are planning to buy or convert a commercial property, you don’t need to navigate the market alone. Get in touch with our expert team today on 029 2267 7707 to explore your options.